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Kiaser Members "Beware"!!!!!!!
Posted by
SANTA ROSA , CA ., CALIFORNIA -- Please! If you have KIASER, HMO, for a few dollars more you can have an 'PPO' . If, you have serious issues, you need to venture on to a 'PPO'! Its literally a few dollars more. We "WERE" members threw his work, and they were taking $40.00 month out of his check.
PPO.....$5.00 more.... a month ! Prescriptions 1/2 the cost!!!!!!!!! He went in and, was diagnosed to have hepatitis B, then they fraud gently said he has hepatitis A-C-D-E, and was charging his insurance $100,s of thousands of dollars! They had us in there every 3-5 days, we were dropping $20's and $40's like playing the slot machines! repeating the same test. I kid you not............you know us women........... IF, I DON'T GET AN STRAIGHT ANSER, LIKE THE STRAIGHT QUESTION I ASKED, THEN YOU KNOW, THERE HIM HOLLEN YOU AROUND!!!!!!!!
And, guess what O.M.G! Proof, it was just that! This the Santa Rosa, Ca . Located at #401 Bicentennial . the main one. Dr. Susan, his liver doctor, the gastroenterologist dept. O. M.G! Please beware. I had his primary doctor call me he was like " Hay this is doctor James, I was like hay!, he's not here..... he's at work! He was like," well you are the one ,...I want to speak with............... you're always together! You know ,.... he's very, very, sick !!!!!!!!!! He has less than 10 percent liver function, and he can die today or next year."( And, a little more said of the same.) He's very sick from the hepatitis A-B-C-D-E . And , I was already being doubtful.( now keep in mind we know of the b, and he will out live all of us, not an issue ). Okay I get to the point. I knew something was terribly wrong when .... a botched hernia operation... went in with 1, and came out with 6. It was obvious for a the need of a second opinion, they refused .... so we dropped them.... and got a PPO and,.... was cheaper, (we see who we want, when we want for the same money ! You see .....if its a closed network, that allows them to lie, make up, and create bogas non- existing reports , ) We had 4 test done Sutter, Memorial, Santa Rosa Community Clinic, and, UCSF, and O.M.G! it came back 'NEGATIVE!!!!!! NEGATIVE !!!!!!!!!!!! NEGATIVE!!!!!!!!!!!
Never, even came in contact (We all come in contact, 1/2 creates antibody to rid of those diseases, and the other 1/2, has issues. ) And the B.... he's so low, it's undetectable. That is ;1 of 5, serious ongoing medicals procedures, being "ongoing" makes it to be one of the most expensive treatment's to treat, because its" ongoing ," beside aide's !!!!!!!!! And ,they charge the insurance up the " WAH- ZOO " !!!!!!!!!! They refused us second opinion, by law you can get a second opinion . They are one net work... all one network. He ,now have" ANTHEM- BLU- CROSS" not the one, just anyone off the street can get ..... we know that can be pricey !! BUT threw your work, of course its going to be cheaper,. you can get it .... but you to drop KIASER . They will have the option, for you to have ANTHEM-BLU-CROSS, among other's, we liked ANTHEM. We so far LOVE ANTHEM. Kiaser is a poor mans insurance. *Now, you'll see I left out some letters, of the doctors names .. but , I guarantee, you will find the names if ,you pull them up. So , I guess I would not get in trouble!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! OOOOOOOOOOOOOOO!
But! Dr. Richard, the hernia dept. ( He would refuse to see us even if, we made an appointment, he would cancel ,or do a no show.!!!!! concerning the 6 hernias, that sticks out 10 inches I swear! There was a Dr.M , he popped up from absolutely no where and purposely jammed a 3 inch needle into the hernia and ,..smiled like.. when you say....did it hurt !!!! The nurse said ;" we need to file a complaint on him for his conduct !!!!! " When , we tried doing just that , we were told", that he did not work there any longer! Dr. James, primary doctor (he said, I'm sorry I can't get involved in this hernia drama, but urged us to keep asking the right questions !!!!!!!!!! All these hernia issues ....politics .....we said " yeah we know its a job... I know we couldn't help but ,... feel for him! Dr. Susan- the gastroenterologist dept. Now! you make your decisions, and while your doing that ....don't count on the research on these doctors, because ,...they will come up as magnificent brain surgeons, and they cook for the needy...and pay for it all !!!!! Its ALL a bunch of crap!
As long as they Kiaser keeps there dues to the city/state paid , they can write what ever, REMEMBER ITS A FREE SPEECH, and its a network, within a network, so ........ your not going to find out squat . Here's the real messed up thing ,...from the liver doctor Susan she was like yeah! his , "doe doe" is a little high and his" gaga " is a little low ( and if that's all true then the only thing is in question to have done is a biopsy!
But ,no issue, then no biopsy. Yeah!!!!!!!!!!!! We know now .Please good luck. I pray for you. ex Kaiser member.
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Good Luck Seeing A Dr.
Posted by
WOODLAND HILLS, CALIFORNIA -- I broke my ankle, went to urgent care. ($40 copay). They referred me to orthopedics. ($40 copay). They told me I needed to go to the "casting dept", but they only put casts on from 8 am to 10 am and it's on a first come first serve basis so get thereby 7 am. the next day. That's 2 days with a broken ankle, with no brace and no cast. 7 am the next day I arrive and sit with many other people with broken bones waiting for their casts. I saw an "attendant" ($40 copay) who was very rude. For my follow up visits if I wanted to see an orthopedist it would take 2 months to get an appointment, so I could only see an assistant also for a $40 copay. Now that I am assigned to an assistant, I can not see an orthopedist, only the assistant. After 6 weeks, the "assistant" told me I should be healed and to "just walk on it". That was 7 months ago and many complications and lack of answers. I have run the gambit of seeing Podiatrists, Physical Therapists (which you cannot get a standing appointment for each week). Today I called to ask the Orthopedists assistant can renew my temporary handicapped placard, because Physical Therapist can't do it, and orthopedics said they won't renew it because I should "be healed by now". My records indicate that I am in Physical therapy, and still walking with a cane. The person on the phone said maybe he would renew it if I came to see him again ($40 copay). It could be so easy, but Kaiser doesn't make anything easy. Most times when I've gone to Kaiser for anything it's been an assistant, not a doctor or there is about a 2 month wait. Why is the copay the same to see an assistant as it is a doctor? If I could get off Kaiser I would in a heartbeat.
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Kris10 on 12/02/2011:
you may want to talk to a lawyer to see if you have a malpractice suit. This is crazy. They're squeezing you for money and you're in pain.
Skye on 12/02/2011:
Kaiser is one of the best health insurance companies to deal with.
You didn't need to go through all of that. You should have called your primary doctor immediately to let them know the run around that began for you. You could have seen another ortho doctor, and you can change ortho's anytime your not happy. Nobody should have to go through what you did, but this isn't Kaiser's fault, it's the fault of the orthopedic doctor's office you first dealt with. Anytime you are not happy with how you are being treated, and must immediately let your primary know and call Kaiser and speak to them about what's going on.
Sometimes you have to take the horse by the reigns and get things moving. It's ridiculous what you've been put through.
Mrs. V on 12/02/2011:
The Kiser in my area has one huge building that does everything (primary,gyn,ortho,GI,PT, etc) and it's just like the OP stated :( You can never get in quickly. You are charged your co-pay if you see your primary, walk across the hall to see a specialest and it's another co-pay.
holidaylacasa86 on 01/15/2012:
Becareful what you sign up for!! Kaiser is awful they write a lot of scripts and send you on your way . If you live in Temecula and just need your reg Dr. its OK but if you need a referral hurry up and wait it can take up too a month , and if you need a othro, derm. a cardio dr. etc. get ready to do a hour trip to riverside two hr wait at the drs and a hour trip home = 4 hours.They are a marketing business I had 13 messages on my phone from a call center in one week to remind me of a flu shot really. a call center to drive me nuts ... Don't know if they get paid by commission but its insain .They can send you anyplace they want that's why they are so big!! They only have one machine for the whole company and the one you may need could be in Hollywood! so that's where your appt will be or cancer could send you to irvine !! And they have no local Hospital the best thing for a Patient is to have family around them! How many of your family members are willing or able to drive up to 1=2 hours to see you after a long day at work?Kaiser does not care about your health they care about money yours!! Ihave been goinf to Phys Therarpy referd by kasier in temecula for 2 months now I'm trying to get a tens unit(somthing for my arm ) and they call me to say I have a appt in riverside next week at 100pm! I didn't make an appt!!! I call and they said I have to go to river side PT so I can take a 2 hour class to learn how to put the stickers on my arm!! I ask if the PT in Temecula could just show me? and they said NO So they want me to leave my Job for 4 hours to take this stupid class really. So I filed a complaint and surpize they said I would have an answer in 30 days!! In the mean time I paid cash out of pocket to go to my old Dr. and got a tens unit . Thank Kasier for nothing I know u don't care that my arm has been hurting for 3 months now.If this wasn't paid for by my company I would not still be here . You Get what you pay for .and I will continue to write about this company even when I'm not with them PEOPLE IF YOU HAVE A CHOICE DON'T PICK THIS COMPAY
celtic on 09/29/2012:
I have severe arthritis in my left hip they are making me "jump through hoops" just to get a sugery schedule date after waiting for 6 months. Kaiser only cares about money. I don't even know who my primary care physician is every time I go to the drs to complain about how I can barely walk (even with a cane) and am in severe pain (plus have spinal stenosis and two ruptered discs in lower back) they just tell me to go to the pain management clinic which isn't available till April 2013 (they called and asked me if I wanted to schedule an appt. for then, yea thanks........Oh and about my back I complained about back pain for over a year and the dr was like oh ladedah then they finally did an MRI and found out I wasn't just making it up so yea Kaiser sucks bigtime...................
Ms. Ann on 02/26/2013:
I've had great luck with the Kaiser emergency room in Oakland. Unfortunately you are so right about the copay situation with Kaiser.
I have painful cyst in my knuckle that I've been trying to get removed for months. I went to my primary care doctor because I had to since it is Kaiser (co-pay) who referred me to the Oakland orthopedic department (co-pay). After an 8 week wait for an appointment I was seen by a doctor didn't specialize in hands so she literally did not even look at my hand at the appointment. She referred me to another doctor in the department (co-pay) who tried injecting it with something and told me to come back in a month (co-pay). I returned to that doctor and nothing had happened (if anything it got bigger) since the injection but he told me that surgery was too risky on a knuckle so I should take Tylenol and live with it. At this point it had been months of pain, 4 times I've had to take work off, and so much $ in co-pays and his answer was Tylenol? I lost it and he agreed to refer me to an Orthopedic surgeon in the department who I am waiting to see for a consultation (co-pay) before she will operate (co-pay). I hope that 6 appointments later I can get this cyst removed.
Jose on 03/15/2014:
I have been through a similar experience and I did started with my PCP. NOBODY cares. I filed a complaint against the doctor and the response was that it was my fault for not providing exact information. If you have coworkers who do not speak English but look Asian Kaiser will hire them. I say this based on experience.
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Denial of Health Insurance to extremely healthy RN Kaiser employee
Posted by
Kaiser is Sicko!
I couldn't believe it- I'm a 52 year old RN who has worked for Kaiser Medical Center as a per diem RN for 11 years. I am in perfect health. I windsurf, surf, roller blade, hike, bike... I never get sick. I have always worked as a per diem RN ( for 30 yrs.) so that I can control my own schedule and travel etc. I have always had high deductible Blue Cross. I have never used it. I was always a little embarrassed when my pts. in the hospital would ask me something about my personal experiences with Kaiser health care and I would have to say I don't have Kaiser- I have Blue Cross major medical. I would try to avoid telling them that I have almost never had a Dr. appt. in my life. My only preventive health care is occasional paps at Planned Parenthood (all negative).
So I decided to finally fork up some more dough and pay for a Kaiser plan that would include regular check ups so I would finally start getting regular check ups.
I filled out the application online with no doubt in my mind I would be accepted. I wanted to be sure they couldn't ever use the excuse that I didn't reveal something on the application so I put everything I have ever been seen for down- a sprained knee, pre-cancer from too much sun on my face removed by the derm (show my an adult that doesn't have that and I'll show you a person that never gets sun- it is completely benign), and to the question "Do you have regular periods?" I answered "no" because I have been in menopause for a yr. ( a perfectly normal situation for a 52 yr. old- DUH!)... but they offered no chance in the application to elaborate that I'm in menopause.
I couldn't believe it when I was denied health insurance because :
1- Unspecified muskuloskelatal condition
2-Unspecified gynecological condition- irregular periods
3- Unspecified skin condition
Keep in mind I provided the name, addresses and phone numbers of the dermatologist and the orthopod that treated my face and diagnosed my knee (no treatment needed- just resting it).
Meanwhile I'm back on the medical surgical unit at Kaiser Hospital lifting and turning pts., running around the unit --- but they won't give me health insurance!!!! (I very seldom call in sick and when I do it is really a mental health day.)
I'm so furious! At least I will never again be embarrassed when pts. ask my about my Kaiser health care and I have to say I don't have Kaiser.
I will also never be embarrassed if I ever have to go to an ER or Dr. with my essentially worthless Blue Cross insurance. I did my part to attempt to pay for better insurance. I will have no qualms if the need arises to get the health care I need and then just declare bankruptcy and refuse to pay it. The system is so screwed up it begs for that.
Thanks for giving us a voice!
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PTCuda on 08/25/2009:
welcome to the wonderful world of indivudual health insurance.. Sucks don't it..
sam35 on 02/19/2011:
I love R.Ns ! Iam sorry to hear your story . But Iam not surprised . Who is at fault ? Kaiser is not cheap
if you get to be are age ! I have had Kaiser and Blue cross . Kaiser has good Doctors ,but their running like track stars trying to keep all the interns from killing someone . The way I see it,Blue
Cross is better for finding a good doctor that will
help you in a timely manor ! If private practice
Doctors try to pull the stuff that Kaiser get away
with they will be getting sue ! Right or wrong their
insurance will have to pay out because they sure
don't want to go to court ! The way most people
fell about insurance Co. With Kaiser and Blue cross the system is the problem ! Have you ever
seen how much resource's go into administration ?
With Kaiser the problem is the care you get !With
Blue cross it is the bill you get ! I hope you get the care you need ! If you are a Veteran you might try the V.A ! As far as Iam concerned it is
the best health care I have ever gotten for cheap !
Susie-Q on 02/01/2012:
Kaiser's Trickle-It-Down-and Maybe-It-Will-Cause-Something-Important-to-Happen Management approach has a lot to be desired. Kaiser will continue to punish employees, as well as work to have the nasty employees hound the good ones, so long as it suits their business model. And who will always suffer in the end? The patients.
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Charges Like Kaiser, but Serves Like Medicaid
Posted by
REDLANDS, CALIFORNIA -- I had a bad seizure on Dec 7, and was taken to Redlands Community Hospital ER. They brought me out of it, stabilized and discharged me the same night. I called in to my primary care doctor at the Kaiser Redlands clinic; and he saw me in a very timely manner. But then he ordered a follow up visit to a neurologist, and the earliest appointment I could get was not until Jan-16. The reason I need to see him is that the seizure zapped my short term memory; that and during waking hours my experiences become dreams instead of memories. The ER doctor thought that I had suffered hypoxia during the seizure. I can't believe that Kaiser, knowing what I went through and the after effects, thinks it is fine for me not to see a neurologist for six weeks after a seizure that nearly killed me. I have to call in every day hoping there will be a cancellation, but it's no use. I suspect that Kaiser Fontana is understaffed. My husband and I pay almost $1,800/month for our two premiums. That is why I say that Kaiser charges like Kaiser, but at least in this case it feels like I'm on Medicaid! Perhaps that is naive. Perhaps it takes six months to see a neurologist on Medicaid. I just think that considering the brain damage from a seizure that almost killed me, I'd be a higher priority to Kaiser.
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Anonymous on 12/28/2012:
I sympathize with your situation but the 6 week wait has nothing to do with Kaiser. It doesn't matter who your insurance is, there are often long wait to see specialists. Heck, I was told I couldn't get my kids in to see their pediatrician for 8 weeks! ( So I switched pediatricians). But when your dealing with specialists, there is almost always going to be a wait and evidently your doctor doesn't think this is an immediate emergency. I suggest you call the specialist and ask them to take down your info & call you if they have a cancellation before your appointment. Good luck & I wish you a speedy recovery.
Skye on 12/28/2012:
Excellent advice samanthasmom!
Anonymous on 12/29/2012:
Last year, I couldn't walk due to severe pain in my feet. I had to wait 6 weeks to see a specialist. It doesn't have anything to do with insurance. They don't control how many patients a doctor has.
leet60 on 12/29/2012:
I just wanted to offer the OP some information on seizures and memory affect following. This is very informative:
Vinnie11 on 12/29/2012:
I also see a neurologist and suffer the typical 6-week wait. I waited 8 weeks for an appt. on 11/27 and the morning of the appt. they called me and cancelled. They decided they wanted me to have some addition tests PRIOR to coming which I had promptly but guess when I get to see him again? Six weeks. Has little to do with your insurance and btw...Medicaid patients have the same illnesses as we do.
trmn8r on 12/29/2012:
I don't believe this has anything to do with your insurance, nor should it.
It the doctor who prescribed this followup visit was concerned that you needed to see a specialist immediately, I would think that you would in the hospital and that visit would happen.
However, you are "stabilized", and this sounds like a precautionary followup. Hope your recovery proceeds smoothly...
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Universal Health / Beware Of Kaiser Pharmacy
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ROCKVILLE, MARYLAND -- Kaiser started billing me after I had a foot surgery even though I had paid for everything up front, and went against their own member services, and surgeon on the 90 day universal health laws in the state of VA/ They also refused to fill my primary DR's prescriptions at their own pharmacy! Stay away ! Each Primary has hundreds to thousands of patients and has no time for you ( 5 min or less per visit, I was told the 1 st day by my Dr) If you have serious issues, you will get 3 world care at best! These Dr's are there due to failing at their own practices, or being sued for malpractice! Think about what your doing ?
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The Kaiser WAY of doing Business
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SANTA CLARA, CALIFORNIA -- My Mother has Kaiser...always has. She pays for her benefits quarterly, and always on time. She underwent bi-lateral knee replacement at the old Santa Clara Facility. Her Orthopedic Surgeon was great. While in the hospital (Kaiser Santa Clara) she was subject to the usually poor "in hospital" care that we all have heard about. She was transferred on a holiday to the SNF (Skilled Nursing Facility) without her medications or CPM devices. On her second day at the SNF, a "Patient Care Nurse" (that's DISCHARGE NURSE") told her that her rehab was not progressing. The nurse then later ignored the Durable Power for Health care and violated her privacy (Sections 160 and 164, SS A,E according to the OCR). In a conversation with the son (DPH), the nurse blurted out that the patient didn't even deserve to have Kaiser benefits, because she only had them because of a retirement package! The nurse then made 2 harassing phone calls to family C.P.C. 653M (a crime, misdemeanor) which the family recorded and played back to the Santa Clara County Sheriff. Upon filing a complaint with Kaiser's "Patient Relations" a series of letters discounted the ordeal and claimed it never happened. In some letters, the issue was never even addressed, it was as if they were having a monologue. Kaiser NEVER even asked for any clarification, to listen to the tape...NOTHING!! It was reported to the OCR, Office of Civil Rights, and a year later....nothing has happened.
Recently, My mother went into Kaiser because her foot was red and swollen...they took an MRI, and prescribed 2 courses of antibiotics...without taking a culture. 25 days later still painful and swollen, I insisted on a referral to Podiatry, they took a X-ray....BROKEN FOOT! The moral of the story: Don't bother complaining...Kaiser will brush it under the rug....then discriminate against you....in a very business-like manner giving the appearance that they are doing everything they can. This "Patient Relations" is a nothing but a drop bucket for complaints....that go no-where. KAISER FOUNDATION is a business. While other hospitals are going under and struggling with budgets...they built a $700 MILLION PLUS new hospital in Santa Clara Ca. You figure it out. I can't get my mother to leave Kaiser, though she knows it's not all she thought it was. She knows Kaiser isn't the best, she CAN afford better....I guess she's used to Kaiser's abuse and sometimes does not seek treatment, because she says;"Kaiser is trying to kill off old people". NOW THAT"S NUTS....In my opinion Kaiser isn't trying to kill off old people....Kaiser is running a hospital as a business....as cheaply as possible....and if people die...so what!.
The day they opened the new hospital, they had all the Kaiser big wigs there for a walk through....these are some of the most repugnant individuals I have ever seen....all patting themselves on the back about what a great hospital they have....I wonder how many people they have MIS-Treated to build that thing! It was the 2nd largest construction project in California!!! The stories people tell about Kaiser...I'd have to say they are ALL true. Kaiser is in it for the money....nothing else! Even Kaiser employees say it's LOUSY care!!!Too Much!
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Anonymous on 08/12/2007:
I wanted to complain about a Nurse Practitioner NP cutting my colon area with an exacto knife via insufficient anesthesia. The area was not numb and she just knifed right into me. Nobody should feel the pain I suffered!!!! I complained to the Kaiser Ombudsman. The NP was approached and she denied ever remember treating me. I tried to go the distance to repremand Kaiser's incompetent employee but they started bringing in their heavy artillery about them having more power design to invalidate me. I would not have enough money to finish before they would have enough to sweep me under the carpet.
So I believe Kaiser can callously invalidate whom ever and whenever they want. Kaiser can not be fought unless theres a class action suit.
DebtorBasher on 08/12/2007:
My Mother went to Kaiser (different location) after she hurt her back across her shoulder-blades. She had difficulty just sitting. After the doctor took her into the examining room and told her get undressed and sit up on the examining table, he left the room. And left her sitting on that table waiting, and waiting and waiting as her pain got worse because she had nothing to lean back onto, it was just the exam table and she couldn't lay down. The doctor finally came in for a minute only to leave again and she asked,"How much longer do I have to wait because I can't sit in this position like this"...and his answer, "Well, this isn't a McDonald's drive through where you just pull up and order what you want and drive off"...the doctor later apologized for his remark after the x-rays showed she had two crushed vitibre....she never went back.
jktshff1 on 08/12/2007:
Is Kaiser a nursing home or a hospital.
Anonymous on 08/12/2007:
Sure looks that way doesn't it?
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Denial of Adequate Treatment
Posted by
ONTARIO, CALIFORNIA -- I fractured my knee cap March 2011. It was shattered and surgery with hardware was used to reduce the fracture. I was referred to physical therapy. However, the woman to whom I was assigned never spoke to me or really provided me any real treatment. She was busy training a physical therapy student.
I was unable to walk properly when released. I discussed this matter with the surgeon and nothing was done.
I sought private treatment paying on my own.
By August 2013, I was unable to walk at all and in extreme pain. I saw their doctor. I was given a sheet of exercises. I persisted. I was given a referral to an orthopedists. X-rays were taken. The X-rays showed the arthritis but the denied the necessary treatment. They focused on my bad knee but I kept telling them it was left hip. I was seen by a physician's assistant who told me this was "my new normal."
I was referred to Physical Therapist, but despite how crippled I was, I could only get an appointment every 3 or 4 weeks. The therapist tried to make an opening for me, but was completely overbooked.
On 12/31/14 I switched to Aetna on a PPO. My left hip is now completely frozen. It turns out the hip was completely arthritic and had been since August 2013.
I am going to have a hip replacement. I is now June 2014. I have been walking with a cane and in severe pain. It has taken this long, after escaping from Kaiser to get treatment.
My advice is to stay are far away from Kaiser as possible. Despite their representations, they balance their books by collecting co-pays and denying necessary care. Beware.
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Nightmare Organization
Posted by
LARGO -- Double nightmare with Kaiser. I am livid to the point of tears. These people are more interested in the number of patients and days of stay than providing care and information. I am still dealing with a mess of a system that only cares about the Kaiser bottom line. I can not speak to one person that can answer my questions or provide advice. Everyone tells me I need to talk to someone else, yet I find that decisions are being made without my knowledge, consult or advisement. I can not plan for these decisions without being advised of then in advance. They have major implications for my time, purse and other resources that I have to have in place. They discharged my mother, who has Alzheimers, from a Kaiser facility and I was not advised that this would occur, never told them that where she would go upon discharge, was never advised of the discharge care needed, of the equipment that the facility to have to rent (which I will have to pay for), was never given an opportunity to plan for an alternative facility for the discharge, the list goes on and on. I was advised that she would be discharged in 2 days. I was called after 4 o'clock on New Year's eve. Which gives me only 1 working day to prepare for the discharge, financially and otherwise. I would have appreciated some prior discussion before they decision regarding her care were made and put in motion. I am not invisible, deaf or dumb, and I am her surrogate of record.
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Being Screwed
Posted by
ROSEVILLE -- Folks, Obama care is not the answer. We have to go back to Public-Option, just like Britain and Canada. Don't listen to the Crap we are being fed by the Health industry. They will never give consumers a break. They have tasted our blood for years and they like it. Lets make the Public-option number 1 priority in coming elections.
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Anonymous on 11/16/2011:
What does this complaint have to do with Kaiser Permanente?
trmn8r on 11/16/2011:
Nothing, but connecting it to an insurer in some manner makes sense.
A lot more sense than other things I heard today...
Kris10 on 11/17/2011:
Go back to the public option like Canada and Britain? We've never had the same kind of healthcare that they have. Please explain further.
Old Timer on 11/17/2011:
Canada? Six months to get in to see a doctor because all their doctors are in Florida now making a ton of money. A family friend is a doctor that used to live in Canada. He moved to Scottsdale Az to be closer to the aging American Baby Boomers. He has no plans to ever go back to Canada to practice.
clutzycook on 11/17/2011:
Go back to public option? I never knew we had been there to begin with. Frankly, I don't think it'll happen in any of our lifetimes. It would raise taxes higher than they already are and this country is already broke. If you think the OWS people are PO'd now, imagine how cheesed they'd be if their taxes went up even more!
madconsumer on 11/17/2011:
very good idea 'lovit'. there was a time when the public opinion elected the president and congress. then perhaps the insurance companies will be put in their place.
very helpful review.
trmn8r on 11/17/2011:
Clutzy, I believe the OP means go back to a public option *plan*, which I believe the Democrats were supporting until Obama shifted to what he ended up with.
I think you are on the right track, clutzy. A public option would raise our taxes, which would be a horrible idea right now. Great advice!
Skye on 11/18/2011:
This country has never had socialized medicine and NO WAY am I for it.
As for Kaiser, what did they due to cause you to write this? They are actually one of the best out there, and they are giving away free flu shots to Kaiser members.
Churro on 11/18/2011:
Let's not kid ourselves we do have socialized medicine in this country today with a good chunk administered by a handful of "for profit" corporate health insurance providers and those ranks will grow with the successes of their lobbyists. Those not covered by private plans are on the government healthcare Dole. Private health insurance is no less 'socialized' than a government program.
All forms of health insurance whether it is private or government only serves to raise the cost of health care and thwart free market price control pressures. Believe it or not private health insurance providers make more money as the cost of health care rises. The only free market pressure is to keep the premiums just a hair below the affordable line of their targeted market. They will squeeze the insured for ever last possible premium penny. We ARE always at that point. It's no coincidence health care costs rose at the same pace as the growth of the private health insurance industry.
I say scrap all health insurance policies both private and government and go back to the days when communities through trusts and public donations were responsible for health care without corporate or federal government interference. It worked. Don't believe me? Ask somebody in their sixties who paid the hospital bill for the birth of their children?
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Kaiser Sucks
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COLORADO -- In November 2007 I had a major accident and had to go to the er. I won't bore you with the details but it has been a battle royal fighting Kaiser in denver for basic care. By comparison. I moved to Maui in febuary 2010. I retained a private primary doctor. I did not have a lot of experience with any other doctor besides Kaiser at that time. Boy was there a huge difference in the quality of care. Very single Kaiser doctor I ever encountered was condescending and fairly incompetent. The only option Kaiser ever gave me was surgery. After hearing terrible stories and getting the absolute worst service from any industry let alone health. I declined. This led to an onslaught of negativity from Kaiser. However my private doctor could not have been any better. Amazing difference. Some examples of the difference are insomnia. After not sleeping for an extended amount of time because of pain and other factors I asked (begged) my doctor to rx something to help me sleep. He fought me tooth and nail and then gave me something that reminded me of the old west elixers. It works on sleep. It works on depression (the only depression I suffered was at the hands of Kaiser). It works on pain. It takes out stains. It slices. It dices (just kidding). This medication does not even start to take effect for up to several weeks!! I had already told my Kaiser doc I had not slept since July and I thought it was becoming a danger to me and to others. Kaiser couldn't care less. Looks like a flight back to Maui. Kaiser sucks!
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Skye on 10/14/2011:
Not all doctors who work for Kaiser are incompetent. When you have doctor you are not comfortable with, it's up to you to always get a second opinion, and sometimes a third opinion until you find a doctor that you are comfortable with. As for having to beg them for meds, never beg. It's gives the impression of drug seeking behavior.
When it comes to our health, you can never be too careful. Glad you found a private doctor who you like. I also hope you are recovering from your accident and feel better and better as time goes by, till where you do not need anymore doctor appointments.
drugdoc121 on 10/14/2011:
Fyi...one if the more common medications used for insomnia was initially used for depression.
slynn132002 on 01/27/2014:
I love my doctor at Kaiser and there was a few I did not like. I had doctors who refused to listen to my complaints, and I opted to find another doctor that would listen to me.
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Thanksgiving for the Memories
Times are tough, for some much more than words can express. And yet this it's exactly at these moments we stop and remember what we do have.
We're thankful for our health, the time we have with friends and family. We're grateful for our jobs, the roofs over our heads and the food about to go in our stomachs. We can appreciate these connected, social times as best we can.
And we can be thankful for television and movies, making our holiday gatherings seem almost tame and functional by comparison. With that, a few of my favorite episodic and cinematic Thanksgiving moments:
The West Wing: Double Feature. Granted "Indians in the Lobby" isn't up there with "Shibboleth" with its schlock and (another) Butterball brand placement, I still remember both quite fondly. When that show was good, it was damn good; episodes like Shibboleth showed how well it balanced serious moments, like Charlie and President Bartlet and the knife, with lightness such as C.J. getting a 2nd turkey pardoned.
Adamms Family Values: a modern day classic I suppose. The clip speaks for itself.
Buffy the Vampire Slayer: I've used "Pangs" before, because 'ritual sacrifice. with pie' is still one of my favorite lines. And because I couldn't help appreciate Spike's politically incorrect speech and the wonderful Whedon dark humor of it all.
Honorable mention: The O.C.
You? The Ice Harvest, Scent of a Woman or maybe Charlie Brown? What's your favorite Hollywood turkeyfest? Happy Holidays everyone.
Meme Me and other bad Social Media ideas
I interrupt my blog procrastination to state the obvious: if you're going to DO social, then you should actually BE social. Or at least you – or your paid PR team – should have have a passing understanding of how SM and the Interwebs work.
The Social Media Train Wreck of the Week award goes to Bill Cosby.
ICYMI: Bill Cosby asked the denizens of the Twitters, Reddits and Internets to 'meme' him. As anyone whose spent more than 10 minutes online knew, that was terribly bad dumb idea because it immediately went predictably wrong.
This wasn't trolling. This was open season on stupidity of the "you're getting everything you asked for, now let's see if you really want what you're getting" variety. Needless to type, TPTB have put this fail out of our misery.
Social Media 101 for those who try to MAKE it happen.
STOP. Stop asking for trouble. If you think you can use Facebook or Twitter to your own ends without any backlash or counter punches, think again.
- Get your house in order, check yourself before you wreck yourself.
- You can't force 'viral.' And FWIW a million hits on something that has global brand recognition isn't what I consider viral.
- Memes are forces unto themselves. A cool picture makes its way online and the PEOPLE – not the brands – make it happen; plenty of lessons learned from Alex from Target.
- Social networks have their own way, the culture of G+ is different from Facebook which is different from LinkedIn. "The problem is that most brands are trying to simply sell into the culture, without being a part of it," Mitch Joel on part of what's wrong with marketing today.
- People WILL call you on your bullshit, whether you're a celeb reposting other people's jokes without credit or a lame marketing agency trying to take credit for something you didn't do.
For any business or brand looking at what social media can do for them, it's a lot. Yet even those who do 'get it' realize it's a crapton of hard work, the risks not always worth the reward.
Public relations, social media, branding, content, design .. those are the 'what' of what I do as a business communicator. My job isn't to rev up your email funnel, it's not to 'fix' your company's bad online reviews or to build a better Facebook page. My job, the 'why' of what I do is to help you build a better company.
You tell me: Besides Oreo during the SuperBowl, last time you saw a good social share or hashtag campaign? When is the reward worth the risk?
Photo credit: One of my favorites of the Business Baby meme, via Reddit.
Apple, U2 and the Terrible, Horrible, Very Bad Good Idea
How's that for a click bait headline?!
Apple Makes News
The reason business movers and shakers follow Apple – and especially small business – is because they make news. More than a story teller, Apple is a story maker. It's the best litmus test for any press release or store opening or sales pitch.. if you're not Apple, then try again until you've got real news.
The news these days: new iToys, new iOS, more moves towards global consumer domination and one really bad PR move.
The Little Things are HUGE
As a free gift with purchase, Apple decided to give every iTunes account bearing human – approximately 1 out of every 8 people who call Earth home – the newest U2 album. For free.
Sounds great right, free music so what could go wrong? It's such a little thing, I mean .. not like it was Nickelback or Bieber (and yes I know I'm not the only one to crack that joke).
Oh so very wrong. From the moment Apple pushed U2 onto people's accounts, sans their consent, many decried the brand overstepped. It was such an unpopular move, they had to release a U2-B-Gone tool.
Bonus: a few of my favorite #FirstWorldProblem Apple U2 Tweets.. the tamer ones at least. That last guy had a ton. heh.
That U2 album could be a 50 minute spoken word ISIS recruitment tape and no one would ever find out. — Josh Patten (@thejoshpatten) September 18, 2014
If you listen to the free U2 album backwards, you will still be pissed off about it. #DailyConspiracyTweet — Joseph Scrimshaw (@JosephScrimshaw) September 17, 2014
I'm upset about the horrid working conditions in the Chinese factories that make iPhones but I'm FURIOUS Apple gave me a U2 album for free. — Anthony King (@theanthonyking) September 17, 2014
All of the people whining and complaining about Apple "shoving" a free U2 album in their iTunes account need to get a grip. Ultra #FWP — Paisano (@Paisano) September 13, 2014
Just came home to find U2 painting my house. — Steve Mieczkowski (@IGotsSmarts) September 16, 2014
Respect Your Customer. It's Their Choice.
We hate spam. We had interruptions and noise and anything we didn't ask for. If we want it, we'll subscribe, we'll opt-in.
Had Apple had pitched this idea to me, my advice would have been: give people a choice. Give them the album as a code or credit to their iTunes account, and if they buy U2 so be it. If not, let them buy whatever the hell they want. Done.
How different would the story have been? How much PR goodwill would have been earned? Hell, how much money would have been made from people who might have bought the U2 album and more?
People like free. We like bonuses and extras. Except when we don't. That's our choice.
You? Did you download or delete? What were your favorite tweets?
Caught in the Act: Turning Negative Into Positive
This is a "please read" love letter to every business out there, large and small, to owners and marketing managers, to communications directors and CEOs. This is customer service, this is HR and well trained employees, this is public relations and social media. This is good business.
Sh*@ Happens.
Did I tell y'all the broken luggage story yet? (Nope.. blog idea captured but languishing in digital purgatory.) Anyhow..
Reader's Digest Condensed Version: instead of proactively handling the situation, Carnival made us do all the work (which came out ok in the end), they missed the boat – PUN! – on turning a problem into customer service gold.
A couple weeks ago, I went to TomatoJam at South City Kitchen Vinings and our appetizers took too long. Which we barely noticed. Yes it was a long time but not crazy, we were sipping our wine and chatting, generally enjoying the evening.
The server apologized. The manager did. We never complained. Then gave us soups to tide us over until the apps were done. Then comped said apps. The manager kept up with us the rest of the night. As did the chef, to once again apologize for our wait.
All initiated by THEM with nary a prompt or complaint from us. Negative turned positive, done.
This is how a loyal brand advocate is born.
This is what gets them followed and liked.
This is why I always buy their promo deals.
Because of their generosity, we upped our order, spent more money.
Because of their commitment to service, I'll not only return — I'll recommend them to others.
Just a quick (yay! for once!) post to show I wasn't so dumb after all as I've blogged before about the PR, social media, customer service connection.
It's not the mistakes. Often it's what you do NEXT, it's what comes after the mistake that matters most.
Fixing the problem. Offering a solution; brownie points if you do so before being asked. Learning from the mistake, then applying that knowledge. Something we all gotta do when we find ourselves thinking more of the same will result in change, or trying new ways to make the same old failures. Got the bruises, the headaches, the 'need wine now!" to show for that one myself. (In this case, the chef at SCKV talked about better scheduling around large party orders.)
Putting customer service first – from the front line all the way to the top of the executive food chain – is how a company can "cement a customer for life." How a business handles mistakes is what can turn a deal breaker into difference maker.
Ever had a business or brand screw up the right way? Do Tell.
Photo credit: So many memes, so much time wasted on the Internet picking one.
Unpopular Changes vs Customer Expectations: Lose-Lose?
So I follow Carnival, no big secret. It's something I enjoy, cruising; and fun to watch a brand I like do some things right (and wrong) in the webosphere of PR, social media-ness.
Us. Them. The Silent Minority?
This week's news is the forthcoming change to Carnival's smoking policy. To sum up: Balcony cabins are going non-smoking. If guests smoke, they'll pay a cleaning fee and risk being asked to leave, per violation of the microscopic legal gobbledygook in the contract.
Well the people are speaking to Carnival. A review of the posts to their Facebook page, this change is getting mixed reactions to say the least.
- Yay! Plenty of people would prefer ocean breeze to second hand Marlboro when they enjoy their balcony cabins, so they're happy.
- Boo! Hiss! Plenty of people seem upset, ranging from "I'll still cruise but shame on you" to "NEVER. AGAIN. $*^@*&(# Carnival!"
- Smart Feedback. And questionable advice.
- Speak with your wallet. Cancel bookings. Switch to other cruise lines.
- These excellent suggestions have been appreciated by almost all, with various "Amen!" or "Good Riddance!" comments.
- Define "majority." More than a few 'loud minority' suggestions that it's only a few who so strongly dislike the smoke that they avoid the cabins, casinos or cruise line all together.
- Other smart commenters know it's all about the money: If the 'majority' really wants that, do it. Then see how it impacts alcohol sales and gaming revenues, not to mention duty-free cigarettes profits.
- Run the risk. Can't say this 'live dangerously' attitude is wise, risking the cleaning fee or being kicked off the ship.
- Make one side balconies smoking. They charge by location anyway, only catch is how to price and arrange the non-smokers around the smokers. It makes some sense but then, that's gonna require selecting a smoking or non cabin at booking, more work for the hotel operations.
- Manage Your Expectations. They really can't please everyone, so stop asking.
- Why not a booze free ship, for people who don't like loud drunks? If that was me, my bad.
- Why not a kid free ship, for people who'd prefer an adult getaway? I did that in April, sailing when almost every kid on the planet was in school. An adult-only pool .. that's spot-on.
- Why not a rain free vacation, for people allergic to common sense on how weather works? Even the Disney bubble breaks sometimes.
- Speak with your wallet. Cancel bookings. Switch to other cruise lines.
Get Your Messages Straight.
Quick sidebar. While the language suggests this change is to placate guests per customer feedback, other comments refer to the important fire safety issue. Hard to sell customers on an unpopular idea with mixed messages.
See also, oblique references to upgrades the public spaces reserved for smokers. Taking away without giving, not usually a smart move.
Their 'unofficial' social guy John Heald doth attest that TPTB really do take heed of feedback. Doing his best, he's engaged about as much as he can on this issue. Alas the official engagement from Carnival has been limited, and what I've read has that icky 'copy and paste' vibe to it.
Data mining social media.
One of the biggest mistakes any company – global brand or small business – can make: ignoring what others are saying about them online.
Comments and feedback can offer great insight, let a brand know what's working and what's not, provide suggestions for improvement. Even more so as I've shown here, they can answer the most important questions, those qualitative X factors you can't automate: WHY. WIIFM.
WIIFM to stick with one brand over the other? WHY do people upgrade to balcony cabins? Reviewing the comments (possibly reflecting a noisy minority), one big reason: to smoke. If that's the case, it's a major revenue stream and hate to say it, the half/half ship idea isn't a bad one.
My take: social, 'crisis' or marketing-proof. I hate that I keep coming back to that but – there it is. When people start comparing other cruise lines, other inclusive vacation alternatives my bet it is that many will be back and in the end, Carnival will gain more than it loses.
Your take: How do you announce a big change? What's the best way to sell an idea that's sure to be unpopular with some of your most loyal customers? At what point do you bow out gracefully, let the discussion die?
Photo credit: the smart folks at Despair totally get it.
Atlanta, the Braves, the Fans: A Tale of Three Cities
This is one of those 'big picture' situations that is all about business and really, broad stroke public relations. For those outside the metro Atlanta area or the world of MLB, let me let some headlines do the talking.
Introducing Your Marietta Braves
Braves plan to build new stadium in Cobb. Come 2017 the Atlanta Braves will leave the 20-year young Turner Field for a new, smaller stadium outside the city in a blah blah marketing retail entertainment venue blah. For better or worse: it was a case of money, concessions, debates with the City of Atlanta, traffic and transportation, noise about downtown Atlanta, catering to the fans and a thousand other factors.
Without delving too deeply into the politics, I don't care for the move. Neither does former owner Ted Turner.
By the by, I live not too far from the proposed area; the traffic is already nigh unto the 3rd circle of hell. A couple of new off-ramps to already overcrowded interstates won't cut it. I still have not read anything that details the giganormous undertaking it will be to improve roads, parking, much less provide adequate mass transportation to the new facility. (If I'm wrong and plans do exist, please correct me.)
By the by, I have not talked with any fans happy with the move. Not one. Even though it's closer to home – for some – they're not interested in what they expect to be a traffic and logistic nightmare, an area of overpriced retail and so-so entertainment.
- The city of the Braves: it's gotta be about the money. See also, Cobb County showing them the money so they can see some money for their hotels and restaurants.
- The city of Atlanta: not welcome, not wanted. Lots of stories, proposals and blather; ending in the Ted will be leveled in 2017.
- The city of Fans: The fans that are supposed to benefit from this move are sprawled across 30+ counties in the metro area; even if most are from the northern 'burbs, they still have a long haul to get to new Big Corporate Money Park. Then there are those attendees from out of state – the same ones doing the downtown Georgia Aquarium and other city attractions (see below).
I don't really know what to say.* I hope I'm wrong, but I got five bucks that says after the initial thrall has faded, it's back to a half-empty stadium. And the new retail area might well become Cobb's own Underground Atlanta.
It's not too late?
This last weekend, an historic downtown Atlanta church held its last service. To make way for a new Falcons stadium, partially funded by the City of Atlanta. To sum up: the area north of the middle aged Georgia Dome didn't quite address the parking and transit issues well enough for their well-attended downtown Atlanta games, so the Falcons are moving south of their current location. Then will level the Dome in 2017.
So. There's apparently two large areas available: 1) the current area north of the dome – the one the Falcons passed on; and in 2017, 2) the site of the Dome itself, what with its built-in public transit access (the lack of which allegedly a major shortfall of the soon-to-be-rubble Ted). Why can't the Braves build a new baseball stadium there?!
Tie in the two adjacent sports facilities to the already popular Aquarium, World of Carbonated Yumminess, with the soon to open Civil Rights Museum and College Football Hall of Fame along the Olympic Park corridor. The Braves and Falcons don't overlap games that often; surely schedules could be coordinated to make the most of the parking facilities, maximize the public transportation system.
More importantly, the Braves would still tap into the Downtown Atlanta visitor market. Years ago, I attended an opening day game that was a sell out – thanks to thousands of fans in town for the Final Four at the Dome.
IDK. I'm biased. I think a city's identity is tied to its center, its workers, its public spaces. It's a shame the powers that be didn't work this out — for the fans its sports teams, fans of this city.
Ok Atlanta, let me hear it. Love the idea of the move? Hate it? Is football really the difference maker, or is there another reason the Falcons are sticking with downtown while the Braves are fleeing to the suburbs?
Photo credit: The incomparable Mike Luckovich, AJC.
PR, Marketing, More: Observations from the Lido Deck
Here's the problem with vacation: my brain goes with me.
Oh to be on a cruise
Once again my vacation of choice this year was a Carnival cruise. Snorkeling, cocktails, sun, sleep, food, fun, reading, napping.. the usual suspects all present and accounted for. Also in attendance, my communications consultant brain always seeing and thinking "oh they could do this, that business should try that."
Difference makers. First time on a 'Conquest' class ship and while bigger may be better, it's the Fun 2.0 features that really upgrade this cruise experience. I've done more cruises without those extra touches than with and all things the same, that's the cruise that's worth it. The Value is there; in the extra eateries and entertainment options, and across the board those ships, those crews, the food, the fun.. everything seems stepped up to the next level.
Know Your Customer. This was both hit and miss.
- The miss: many of my favorite experiences were scheduled during my getting ready for/eating dinner time. I know the cruise director was working around having only two sea days and yet, I can't help but think – and wasn't the only one to notice – that many of the popular activities were geared towards for the early seating. Balance for everyone, please.
- The hit: the redesigned, 'upgraded' dinner menus. Upgrade in quotes because in a brilliant stroke of branding and design smarts, Carnival fooled a lot of repeat guests into thinking it's a 'new' menu. While some selections were new and truly improved, it's also a lot of the same – simply repackaged. What was once the kitschy 'didja' as in 'did ya ever want to try…' is now labeled a 'rare find,' the 'always available' is the new 'from the grill' section, what was the 'Caribbean' inspired fare du jour has been dubbed 'port of call' to honor the journey. Same food, different labeling, pretty typesetting .. and voila everyone's impressed.
- Near miss or almost hit. The pasta with the mushroom cream sauce doesn't hold a candle to Maggiano's Rigatoni D. Ergo changing a logo won't fix the brand, a pretty menu with flowery marketing descriptions doesn't improve the food. I've always thought Carnival made a mistake by cooking down to its guests; the 'new' menus aren't a perfect fix but certainly another step – in line with the very good Blue Iguana Cantina and Guy Fieri's burgers – in the right direction.
Keep it Simple. Much like when you go to Disney World, you're not going for themes and rides – you're there for the experience. People pay very good money for those family trips, those shared moments and memories.
Same with cruising; it's a no worries, little bit of everything for everyone kind of vacation. To that end, I loved the cruise-ship owned 'private' island; it's a nice lazy beach day, where they do all the work and planning for you and it's included without an excursion expense.
Service + Value = The Trick. The Liberty crew did a great job but always room for improvement. Been in food service enough to know it's hard to serve that many people and yet, with all their practice, you'd think I'd get better than lukewarm pancakes.
Then there are the various daily specials the spa runs. So while marketing gets the win, PR takes the loss as the nice woman I met who paid more than $100 bucks for her facial kinda felt she got hosed when they broadcast the $39 deal over the intercom. And a cheapskate like myself learns to never pay full price, wait for the promo sale and get that 'value.'
Lagniappe. AKA random thoughts.
- Many ports and places kinda marketing proof; Grand Turk is such a small island, there's little competition on beach clubs or diving operators — you pretty much have to take what you can get.
- That said, I repeated the exact excursion – a sail and turtle snorkel – I'd done a few years ago in St. Thomas, I thought so much of the service, experience and value.
- Comedians make brilliant sociologists, anthropologists. They relate to people – the why of what makes us tick – so they can tell jokes we'll get. Dan Gabriel – "Going on Facebook is the life equivalent of looking in the fridge when you're not hungry." (Tweet This.) So spot-on I wrote it down. Makes me think PR turned comedian Shane Rhyne has a real chance.
Ok folks – books, gossip rags, a few too many drinks at the bar – how does one turn their brain off and just be away? Tell me your secret. P.S. Love it when a monster long blog post writes itself!
Photo Credit: No silly meme this time, just lovely blue water taken by yours truly. Because I'm mean like that.
Pardon the Interruption: A Cellphone Rant
This is one of those things I always debate posting but please, hear me out. In a world in which all people struggle to work and live in some kind of balance, there's going to be some give and take.
For the record.
I know life is about that, life. I work to live, not the other way around. No matter how important it may seem or how much I value my job, it's just that – a job, how the bills get paid.
In my world: every employer would offer full benefits, child care, pet care, fern care, all the leave you could want or need. Sick days would never be counted as vacation time, TPTB would save your job if you had to take off a month to do .. whatever.
Management would celebrate leaving work early to go to school plays and be all about the vacation photos and no one would get in trouble because they were seen with a cocktail in their hands on some random picture on Facebook.
Flex time and telecommuting would be the norm and the work week would consist of whatever produced the best work. Grey cube farms would be taxed extra, TPS reports abolished. Any meeting lasting more than 20 minutes must provide food and drink; and a buzzer or pie toss for Death by PowerPoints.
Companies would do all that and more. Why? Because they succeed or fail via their employees, aka people with lives that don't revolve around work.
That typed (in that dread 'but' voice) …
Work matters. Because I was taught to give work its due respect, I aim for A+ work.
All jobs are different, some requiring more constant focus that others; i.e. it's called customer-facing for a reason, you're there to be available to help the customer. Bottom line is the front line.
Having walked those shoes, I don't look down on those serving my food or running call center customer service — it is very hard work and I appreciate it when it's done well. What I don't appreciate is when the person doing my pedicure stops. To answer their sodding cell phone.
Two rules of calling etiquette I learned as a child: 1) 9-to-9; don't call first thing in the morning or late at night. Phone rings real late, usually not a good thing. 2) You don't call people at work. When Mom was at work, she was working dammit. Any questions or concerns were to be directed to my designated adult supervisors, operating under their respective marching orders. (Picture a big flowchart with questions like 'well, does it cost money?' and all paths leading to "No" and if you called at work, "Hell NO.")
We've all been there, work is distracted by more work; I'm talking about non-emergency personal business. And if haven't figured out this is a code yellow! rant, now you know.
I am over the cell phone, the need to be reachable 24/7. Double so when more often than not, it's FOMO and want not imminent-Zombie-attack need.
I've been in line at the post office, only to have the clerk walk off to take what's clearly a personal (could, should wait) call.
It's annoying – the personal interrupting and distracting from the professional, particularly when you're left waiting or to pick up the slack.
Even before the cell phone, I've worked with people always glued to their phone, never having time to do what needed to get done.
And I am tired the excuses.
NO. Voicemail. Texts. Whatever it is, it can wait. Usually.
One reason Balance is so hard to find is because we have set ourselves up to fail. The smartphone is supposed to be a convenience, instead.. it's a master, a crutch, a bad habit.
We have social media policies to help guide professional behavior online; maybe it's time to go back to basics, consider a workplace cellphone policy too. Or is it just me?

subset: commoncrawl


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Saturday, February 23, 2013
Why We Write
9 comments:
Mark is too modest to point out that EXTINCTION, the book in whose honor all were gathered, is a great read. So I won't point it out, either.ReplyDelete
Well now I have a goal to shoot for! A really awesome party.ReplyDelete
Just throw the party & write the book about it. Cheers!ReplyDelete
Best wishes on your new endeavor, Mark. The Mysterious Bookshop is great.
Way to go Mark! I do love seeing another science geek get his props. Can't wait to read Extinction.ReplyDelete
At a local book festival the poets were selling a t-shirt with the following written across the front:ReplyDelete
POETRY: I'm only in it for the money
Re: Book Reviewers—Next time you're cruising Costco or K-Mart, just look around. There they all are: Reviewers. Think about it. :)
Hope you thoroughly enjoyed your party and best wishes with your new release :-)ReplyDelete
EXTINCTION is the best science thriller I've read in some time--and I read most of them. Any party you have with supportive fans is well-deserved!ReplyDelete
You look like a very happy man there Mark. I've never done a real book party like that but have spoken at a couple different events at the Alaska Writer's Guild and find the personal interaction with readers to be the custom hand made whipped cream and brandy sauce on the creative dish.ReplyDelete
One of these days I expect to do a book party like this, but in the mean time seeing the happy look on your face here gives me the feeling that you love what you do.
I did have a book party once...a tea party...just me and my books...with a kid's tea set. Two things I learned: 1. books don't have thumbs and therefore cannot lift a teacup. 2. I don't look good in a princess tea-dress.
Congratulations Mark! It's all about doing what you love... and if you can earn a living from it, even better. :-)ReplyDelete


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ART340: Photo II--Prompts
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New Bedford Attorney Law Office of Horan McLean & Horan
Attorney Kathleen Horan McLean is a partner at the Law Firm of Horan McLean & Horan. More than 20 years of experience in providing clients with quality legal representation. CALL TODAY (508)264-1576 FOR AN IMMEDIATE APPOINTMENT!
17 Orchard Street - New Bedforfd, MA 02740


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Sriracha from Scratch
February 09, 2013 Recipes
After growing a Thai Chili plant this last summer, I had hundreds of these extremely spicy peppers left over. I wanted to preserve them so I used my food dehydrator to dry them. You can also buy them already dried and very cheap at most grocery stores. Granted, it is probably much easier to just buy a bottle of Sriracha Sauce but I promise you that the "made from scratch" version is much better.
Read More...


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USS CONSTITUTION, Bldg. 5, Charlestown Navy Yard, Charlestown, MA 02129
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Emerson's Rosemount Liquid Level Switch
- Category: Measurement & Sensing
- Product Type: Level
- Manufacturer: Emerson Process Management
Rosemount liquid level switch is unaffected by flow, bubbles, turbulence, foam, vibration, solids content, coating, liquid properties and product variations. It is designed for use in extreme temperatures and performs in harsh process conditions. Typical applications include overfill protection, high- and low-level alarms, pump control and pump protection or empty pipe detection.


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Suitable from 15 - 36kg
Order in the next 12 hours 56 minutes and select next working day for delivery to mainland UK on Tuesday
The RodiFix Group 2/3 is Maxi Cosi's premium high-back booster seat. Boasting ISOFIXix compatibility, an easily adjustable recline mechanism, a patented AirProtect Side Impact Technology and a robust, light and elegant design; the RodiFix offers the very best in comfort, style and safety.
The RodiFix Group 2/3 car seat from Maxi-Cosi offers a patented AirProtect Side Impact Technology, providing excellent side protection, not only for a child's head, but also their hips and lower back. Whilst the adjustable height and width means the RodiFix is well equipped to accommodate fast growing children.
This forward facing seat is easily fitted to your car's ISOFIX anchorage points and uses your car's 3-point seat belt to secure your child in place whilst the backrest reclines to suit the angle of the vehicle seat for best fit.
The RodiFix is lightweight enough for easy switching between vehicles with the open design enabling easy access to the belt buckle. The removable and washable covers ensure a quick and easy clean giving children license to snack and graze on the move!
seat looks great, is very comfy and offers brilliant protection. have had one for two years and was so pleased with it we've just bought another for our second child.
Bought two and they have been fitted in both cars for a week. Have no complaints at all from me or the passenger! Great seat.
Very happy with this car seat and with Kiddicare. Product arrived the day after it was order which was great. No hanging around either - i was given a 1 hour delivery slot and they arrived at the beginning of this hour. Product is super easy to fit, which is great as we sometimes swap it between cars. Its not too bulky and fits nicely on the seat. Great that it can recline too as my son sometimes still naps. I would definitely choose this seat again.
my 4 year old daughter is only just over 15kg and she fits in it perfectly. she loves it. she loves the fact shes now able to use the adult seatbelt and thinks shes a grown up jow. all our carseat are from maxi cosy. great quality and they last forever!
I bought this booster seat as it was isofix and 3 point seat belt meaning it could be used in any car and because it can be reclined. This is the first isofix I have bought and instructions were very clear, and most of all the booster seat stays in place. My daughter loves her new seat and fits very well. I feel the side protection is a bit flimsy, I have to tell my daughter to be careful when leaning on them. I have the seat in the reclined position all the time as you can't recline it on the go when it is used in isofix. The recline isn't that much so my daughter still sits upright but it is enough if she falls asleep that her head won't fall forward. The booster is very neat in the car and plenty of room for getting past it to the middle seat. My daughter can get in and out of it herself with ease.
These are exclusive customer reviews unless otherwise stated. Specifications of goods are subject to change.
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This product is available as a pre-order. This means that we do not currently have the item in stock but we are expecting it shortly. You can place an order for this product now your expected shipping date will be 31-08-2012
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The college football regular season has concluded and all the local FBS teams are headed to a bowl game. The KSL sports team has reviewed the season and have given out some awards to local players.
Rose ready to move forward to next opportunities
Mitch Davis | posted Dec 16th - 11:59pm
After playing three in-state rivals, BYU basketball coach Dave Rose is ready to move forward to the next opportunities with the health of starting player Tyler Haws in question.
Cougars ready to go bowling in Miami
Mitchell Marshall | posted Dec 16th - 3:52pm
BYU looks at the postseason challenge of a strong Memphis defense that is similar in style to its own.
Siliga, Wagner lead teams to big victories over divisional rivals
Jon Oglesby | posted Dec 16th - 7:29am
Sealver Siliga helped the New England Patriots to a 41-13 win over the Miami Dolphins, while Bobby Wagner helped Seattle to a 17-7 win over the San Francisco 49ers.
BYU defense doesn't want to repeat last season's bowl game
Mitch Davis | posted Dec 15th - 6:12pm
As BYU prepares for Memphis, the defense doesn't want a repeat of the outcome of last year's bowl game.
BYU women's volleyball advances to second-ever Final Four
Sean Walker | posted Dec 14th - 1:48pm
Alexa Gray helped the BYU women's volleyball team to a 25-21, 25-20, 25-21 sweep of Nebraska to wrap up the Seattle regional and clinch a spot in the women's volleyball Final Four next week.
BYU soars past Weber with strong offensive performance
Jon Oglesby | posted Dec 14th - 10:52am
The BYU Cougars made 8-of-10 3-point shots in the first half and soared past host Weber State 76-60 in an in-state rivalry game.
Haws scores 19 points, leads BYU past Weber State 76-60
Associated Press | posted Dec 13th - 10:11pm
Tyler Haws scored 19 points and dished out five assists to lead BYU to a 76-60 victory over Weber State on Saturday night.
Game Center: BYU at Weber State
KSL.com | posted Dec 13th - 7:00pm
Follow along as the BYU Cougars take on the Weber State Wildcats at the Dee Events Center in Ogden, Utah with KSL.com's live Game Center.
Cougar Sports Saturday: December 13, 2014
Jason Shepherd | posted Dec 13th - 6:00pm
The CSS crew talked BYU football with Kai Nacua and Mitch Mathews, plus previewed BYU basketball at Weber State.
Maeda's career high helps BYU women's hoops fend off Utah, 60-56
Sean Walker | posted Dec 13th - 3:06pm
Kylie Maeda scored a career-high 16 points, and Morgan Bailey added a game-high 18 points and 10 rebounds as the BYU women's basketball team held off host Utah 60-56 in a noon tipoff at the Huntsman Center.
Hamson, Cougars advance to women's volleyball Elite Eight
Sean Walker | posted Dec 12th - 10:58pm
Jennifer Hamson tallied a career-high 30 kills to lift the BYU women's volleyball team past sixth-seeded Florida State, 3-1 on Friday and advance to the regional final in Seattle.
Mendenhall opens up on Big 12, coaching search
Mitchell Marshall | posted Dec 12th - 4:07pm
BYU's head coach gives his take on the firestorm of speculation on the Cougars moving to the Big 12, the carousel of coaching moves in college football and the status of transferring players.
'Scattered' BYU struggles with shooting in loss to Utah
Lindsey Peterson | posted Dec 11th - 10:15am
No. 13 Utah took down BYU, 65-61, Wednesday night with a balanced offensive attack led by Delon Wright. BYU struggled with its shot selection and head coach Dave Rose called the loss a scattered performance.
Delon Wright leads No. 13 Utah past BYU, 65-61
Jim Rayburn, Associated Press | posted Dec 10th - 10:37pm
Delon Wright had 16 points and 11 rebounds to help No. 13 Utah beat BYU 65-61 on Wednesday night.
Game Center: BYU vs. No. 13 Utah
KSL.com | posted Dec 10th - 7:00pm
Follow along as the BYU Cougars take on the No. 13 Utah Utes at the Marriott Center in Provo with KSL.com's live Game Center.
BYU needs to make Big 12 happen
Patrick Kinahan, KSL.com Contributor | posted Dec 10th - 12:59pm
The new college football playoff committee snubbed the Big 12, resulting in the conference needing to change its format. BYU needs to take advantage of a potential opportunity by creating enough reasons for the Big 12 to invite its football program.
BYU at Memphis
|Marlins Park, Miami
|12/22 12:00 pm
Stanford at BYU
|Marriott Center, Provo
|12/20 9:00 pm
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We're sorry, this frame is currently sold out.
(No reviews)
Tips To Finding Your Perfect Fit
- Do you know what glasses size best fits you? Search for the perfect fitting pair by narrowing your search based on your size measurements.
- Tip - Measure your current glasses. The size measurements can be found on the inside temple of your current glasses.
Glasses Size ChartGet a feel for what your general glasses size is with the size chart.
- Frame Width
- Lens Width
- Lens Height
- Bridge Width
- Arm Length
- Narrow Fit
- 128-144mm
- 42-48mm
- 20-26mm
- 16-17mm
- 130-135mm
- Average Fit
- 130-152mm
- 49-52mm
- 27-38mm
- 18-19mm
- 136-140mm
- Wide Fit
- 145-160mm
- 53-58mm
- 39-50mm
- 20-22mm
- 141-150mm
- Gender:
- Material:
- Color:
- Havana Dots
- Spring Hinges:
- Yes
- Progressive Eligible:
- No
- Lens Width:
- Lens Height:
- Bridge Width:
- Arm Length:
- 52 mm
- 24 mm
- 15 mm
- 140 mm
Size MatchHow will I know if these frames fit?
Product DescriptionIt's all about the temple design with these Karen Kane Crinkle Havana Dots eyeglasses. They feature a brown metal diamond shape on each temple and the lenses are oval in shape.
About the BrandKaren Kane designs women's glasses that are simple, stylish and last a long time. Her collection will take your stress away, because when you buy Karen Kane eyewear you know that you are buying glasses that are polished enough for work, yet calm enough for the weekend.
Rates estimated for shipping to: United States
- Ground Shipping$9.95
If you're not completely happy with your item, return it to us for FREE!
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
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Shoes & Accessories
mouse over photo to zoom click for larger image
Very Berry Ombre Infinity Scarf
Circle this loosely woven scarf with cloud-like softness once, twice, even three times around your neck. In ombre shades of Very Berry that are flattering to every complexion. 28" x 72". 100% Rayon. Imported.
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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South Carolina Department of Revenue
News Release
Public Affairs Office
Contact: Stephanie Jones at (803) 898-5287 or email@example.com
For Immediate Release: March 16, 2006
COLUMBIA, S.C. – With more than 1.1 million individual income tax returns already processed in South Carolina this year, the South Carolina Department of Revenue reminds taxpayers of filing deadlines and encourages South Carolinians to file electronically.
South Carolinians who choose to file their South Carolina state individual income tax return electronically have until May 1 to file a state return. The May 1 electronic filing deadline only applies to state returns. Those who file a paper return must file by April 17.
As of March 15, the Department of Revenue has processed approximately 1.1 million individual income tax returns.
Of the 1.1 million processed returns:
§ Approximately 814,000 were filed electronically, allowing taxpayers to receive a refund in about two weeks.
§ Approximately 825,000 received a refund. The average refund is $647.
If taxpayers receive a refund, all electronic filing methods provide the option of having refunds deposited directly into the individual's bank account. Taxpayers who owe taxes may opt to take advantage of Electronic Funds Withdrawal (EFW). This option allows the Department to withdraw money from their bank checking or savings account at a time selected by the taxpayer.
South Carolina reached a milestone in electronic filing in tax year 2004 when the Department received over one million electronically filed returns. Based on statistics compiled by the Federation of Tax Administrators (FTA), South Carolina has ranked in the top five or higher each of the last six years in the percentage of taxpayers that file their individual income tax returns electronically.
For tax tips, information about electronic filing or to check on the status of your refund, visit www.sctax.org.
Home / Contact DOR


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Narrow your search
Will you be able to control future tablets with your eyes? TheEyeTribe's eye control software shows how its possible at CES 2013.
Feature called FocusAssist pauses an online training course when the viewer looks away, ostensibly to "ensure complete end-user engagement." Will this improve employee training, or is it too invasive?
Samsung's next smartphone could let you navigate with your eyes, Twitter kills TweetDeck apps, and HitBliss users pay for movies by watching commercials.
Gadgets at CES 2013 give us a peak into the future: e-ink on smartphones, device-to-device wireless charging, and controlling a tablet with your eyes.
CNET's Lindsey Turrentine and Brian Cooley talk to folks from Fitbit, Nest and Leap Motion about how humans interact with this next generation of tech.
PointGrab, an Israeli company whose technology is already integrated into Windows 8 and Android devices, will let developers build apps integrating the system into Apple's mobile platform.


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Salvador Dali DVD
Sale Price: $24.95
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: October 8, 2004
With his impeccable attire and trademark mustache, Salvador Dali cut an unforgettable figure in 20th century art. A master cubist and the most influential of all the surrealists, he later worked with movie legends Alfred Hitchcock and Walt Disney. Filled with colorful recollections from those who knew him best, this captivating portrait traces his career from his first exhibition (at the age of 13) to the halls of the world's great museums.


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mouse over photo to zoom click for larger image
Golden Ombre Ruana
Shimmery and chic. The luxe layer. The drama of a ruana.
- Ruana silhouette with open sides.
- Length: 30".
- 89% rayon, 6% metallic, 5% nylon.
- Machine wash, cold. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


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|Series :
|Deep Space Nine
|Rating :
|Disc No :
|Episode :
|First Aired :
|5 Jun 1994
|Stardate :
|Director :
|Avery Brooks
|Year :
|Writers :
|Bill Dial
|Season :
|Guest Cast :
|Moral :
|Factoid :
|This is the first episode directed by Avery Brooks.
|Quote :
|"I'm no angel, but I try to live every day as the best Human being I know how to be. I need my little girl to wake up in the morning and look up at me and see a man she can respect." - O'Brien to Odo
When Miles O'Brien is kidnapped and put on trial by the Cardassians, he must face a justice system in which both guilt and sentance are determined before the trial begins.
|Copyright Graham Kennedy
|Page views : 3,671
|Last updated : 16 Feb 2004


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FOUR Live has completed screening! Check out SMASH!
SMASH! is your pop culture fix! The best music and entertainment presented LIVE by The Edge Night Show's Marty Hehewerth and Stephanie Monks.
View all FOUR Live videos
To say goodbye to FOUR Live we created a montage with some of the best clips and bloopers over the year!
Kanoa and the FOUR Live crew headed to Disney on Ice in Melbourne to give you the low down and the amazing show that is going to be hitting our shores later this year!
Raiza Biza is this month's Decent Exposure with his newest song ' Flashbacks'.
What do you think of FOUR Live? What do you want to see on the show? Let us know!
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Bed is beautiful, simple and sturdy...SUPER easy to put together and despite what the other review says...if you read the directions you'll find that there are enough screws included as you are only to use them for specific slates in the bed frame. I do agree though this is NOT EXPRESSO colored...its more of a cherry wood (reddish). The color didn't matter so much to me but for those trying to match other furnishing this could be a problem potentially.
I would still think this bed was a deal, had I paid $50 more. First off...it's real wood--not a laminated pressboard. Secondly, it is sturdy and sleek. And thirdly, the directions were straight-forward and easy to follow. Granted...it comes in a bunch of pieces and takes a good couple of hours to assemble, but once together, it is solid as a rock and elegant to boot!
Splendid bed. Modern and simple. Best for use with a memory foam mattress, ditch the box spring.
Excellent quality. True hardwoods all the way, well finished, and with slightly rounded edges that don't get dinged as easily (and don't hurt your shins quite as much if you ever accidentally kick into it). Beautiful finish. Rock solid stability. Easy to put together, take apart, and put together again (we moved shortly after initially buying it - easy).
The bed is awesome. I have a box spring and a queen mattress on it and the height is great. It's sturdy and simple, just want I wanted. However, when it was shipped, there were not enough screws in the box for the frame. That was annoying- but fixable. The color was listed as espresso and I have espresso furniture in my bedroom. However this bed isn't exactly espresso, it has an obvious red-ish tint and isn't super dark. It doesn't matter when I have sheets covering the frame.
I like all my purchases, and it was by and large easy to order, thanks
read other reviews. Seems some confusion about parts quality, wood quality and instruction quality. I am an experienced handyman. I glanced at the instructions 3 or 4 times during assembly to make sure all the parts were there and that the assembly order I took did not get me into a bind. Assemble the headboards/footboards and rails barely hand tight. Throw away the provided screws and use 1.25 inch coated deck screws. Lay the slats across loosely assembled rails. Counter sink all the slats such that the screw heads will be about 1/16th inch below the slat top. Line each slat up with its hole in the rail and Screw down the 4 screws at the rail ends. I used an impact wrench (very fast, but can over tighten). Align the rails with the footboards for even reveal on all sides and tighten down. Assemble centerboard and legs. I added strength and rigidity by screwing each of the deck slats which did not have a bolt through them with 2 deck screws, one on each side of the slat on the diagonal. These were drilled and countersunk. The 2 screws help the centerboard to be frigid and provide resistance against the torque on the centerboard legs. The bed is totally rigid and can be gently slid across a wood floor. Assembly time including modifications after unboxing, moving to bedroom and gathering tools and getting deck screws was 62 minutes.
My daughter wanted a platform bed. I wasn't sure I wanted to invest in an expensive one so I chose this one. Not terribly expensive but solid wood. I was worried because of some of the reviews but all the pieces were there and we put it together in under an hour. I think it could even be more sturdy than my expensive platform bed. The slats are definitely better in this bed. We are happy and satisfied with this product.
I previously had a similar platform bed which wasn't solid wood, and had no center support. It didn't last, and after repairing the fake wood several times, it was a throw-away. I was so pleased to find the same style bed completely reworked to last! Well worth much more than I paid for it.
Setup took 30-minutes, and that includes double-checking the very simple instructions. The bed looks nice, and feels solid. So far, a great buy! Highly recommended.
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26 Aug
26 Aug
Practically nothing superior – Fashion Advice For The Fashionable And Not So Fashionable
25 Aug
The Real Guide For Beginner Wine Tasters
15 Aug
Doing a Bit of Catalog Modeling
15 Jul
Appreciating the Value of Space
When you're living in Asian country as a Westerner, it's important to remember that the space you're most likely used to is not going to be available. Smaller apartments are far more popular in places like Singapore due to the limited amount of land they have available for residential planning. Even with their newer condos and apartment high rises, the space is going to be efficient in how it values the square footage. storage space is in high demand which can make finding storage units easy enough; if you're hard pressed to find one in your area, I suggest looking (at least in Singapore) in the districts where Westerners are doing business.
I've been in Singapore for nearly a year now and every time our company brings in a new guy from back home, we go through the same routine. Even when we tell them, "No, really. You're not going to have space for..", they still bring it with them. It's an old song and dance that we have grown used to by now. In fact our company has enough employees where this has become enough of a problem that we have rented nearly every unit at the local Store Friendly. Personally, I enjoy this sort of limited lifestyle. It's like a challenge; how much can you live with and without? What items should you buy that are going to be put to maximum use? For a gamer like me, it's the way that I naturally approach situations such as these. I've come to appreciate living more slim and having space made available to me when it is such a restricted commodity in my apartment. I even indulge in showing off how spartan I have become to my co-workers who don't seem to appreciate it as much as I do.
08 Jun
Beat That Summer Heat with AC
Summer has crept up on us with surprising gentleness but don't let it fool you; these days of seventy and eighty degree weather are the norm for this time of year. It's late July and August when things start to turn sweltering which is exactly why I called a friend of mine who does ac repair in morris county nj. I've had this kind of thing happen to me before; it'll be the middle of Summer and you're keeping it cool and comfy in your living room when suddenly the comforting drone of the AC humming away suddenly dies. Oh, no. That moment is a terrifying one as you can already begin to feel the heat sinking into your home, a house which has been designed and built in order to keep heat in. It happened to me just once which turned into a painfully long week of sweating through clothes and sheets alike until they were able to install a new one.
If I took any kind of lesson away from that, it's that you can't rely on your appliances to last as long as they are advertised. That Warranty says 10 years and you'll get 10 years. The User's Manual says 20 years but you'll most likely get 11 years, just outside of the Warranty. Isn't that how it always happens? This time around, I've been having the AC inspected every two years to ensure that it is going to be able to make it through the Summer. It might not have been so bad if I had a pool - another thing that I added to the house after that week. I probably spent nearly a month after that hellish week just lounging in the cool waters of the pool, the only thing that can clearly defeat any heat wave. It's good to live in the United States.
30 May
Pretty Close to Closing on the House
It is not quite done, but we are relatively close to closing on the new house. It would help us out a great deal if we could sell the house that we have first. Obviously that would give us the cash to do everything with ease. However right now it looks like we might rent this place to my brother in law. The one thing I need to work on now is to find deals on home insurance in lynnwood, WA. Obviously you have to have it and I am not happy with what I am paying on the house we are living in now. It seems as though it should be less expensive to be totally honest about it. I would guess that the bank prefers that you get perfect coverage though, because so far as they are concerned the home insurance is about protecting them from risks. If your house were to burn down that might make you not want to go on paying the bank what you owe on it, so there has to be insurance if you are going to borrow money to get a house. If you pay cash for the house, then you can take your own chances with the house burning down.
We are getting ready to move either way. It is obvious that we have it planned so that we think things will go through, but it is still a few loose ends. For one thing the bank is a bit wishy washy at times on the whole thing. They obviously want to have more money upfront in the thing and that would be my preference as well. However we need a bigger house and so we have to deal with things the way that they actually are and not how we would like them to be.Visit This
16 May
Best Cures for Herpes Outbreaks
I am currently experiencing my first outbreak of Herpes, and it is quite unpleasant. The doctor said that it would probably go away in a couple of days, but I do not really want to have to wait that long for some relief from this condition. It is one of the worst things that I have ever experienced, and I did not realize it would be this painful. I wish I could find a herpes cure for outbreaks, and what would be optimal, would be to find a medication that instantly stops the outbreak in its tracks. I doubt there is something out there, because for that to be the case, I would have to be a lucky person. Recent events have kind of pointed in the other direction, and it seems like I have been pretty unlucky recently.
I guess that I could just be focusing too much on the fact that I have contracted herpes. It is hard to think about other things though, because this definitely changes my life. One of the worst parts about it, is that I have no idea how I contracted it. I do not even have the slightest clue, and there are no any incidents, that come to mind, where it would have been likely that someone could have transmitted the disease to me.
I guess that I will search around for different treatments that are used for outbreaks. I have thought about trying to get some sort of anti-viral medication, but I am not sure if that would help my outbreak over the short run. It is something to look into, and I want to explore all of my options when it comes to the successful treatment over this condition, both over the short run, and also over the long run.Visit This
07 May
Browse this – Improve The Exterior Of Your Home With These Handy Landscaping Tips.
07 May
Never Dread Shopping For A Car Again
06 May
Eight Approaches – Thinking About Getting Into A Hobby? Read This
06 May
Get A Good Night's Sleep Tonight By Using These Insomnia Redcuding Tips Today!
05 May
Top Coffee Tips For Making The Best Cup
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Just what I think – Real Estate And How To Invest In It Properly
04 May
Just what ? ? ? ? – Turn Your IPad Into An Efficient Machine
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