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I received a call from the dealership a week after returning the loaner car stating that the vehicle had some damage, how do I respond?There are some good answers here. But mine is for future reference. Next time you get a loaner, do a walk around of the entire vehicle when you pick it up and when you drop it off. This saved me from being blamed for existing damage on a rental car a few days ago. It’s simple to just pull your camera or cell phone out. Covers your a—.I was blamed for damage on a loaner car once. The service advisor failed to have me sign the inspection form verifying everything was fine on the vehicle and that there was no damage. I told this to the service manager and never heard from them again.One time a few years ago, I rented a car and there was damage all on the lower front of the bumper. The associate promised that he noted it in the system. Almost a MONTH after I returned the vehicle, I got an e-mail from Sixt (never again!) that I needed to immediately fill out an accident report so that they could start assessing what I owed them. I replied saying that there was pre-existing damage, that the employee saw it and said he noted it, and that my friend and I would be willing to sign sworn affidavits attesting to such. I refused to fill out any forms. They never emailed or contacted me again.Next time, just record. Way easier.
Has anyone surprised you after their death, e.g. receiving an organ from a donor, a sizeable inheritance, or a visit from a friendly ghost?On January 19, 1979, a big part of me died when my 26-year old brother Danny died due to complications arising after heart surgery. Back in 1979, imaging techniques were not like they are now. The doctors did not understand the morphology of Danny’s heart, and his ticker quit ticking because the pacemaker electrode was placed outside of his heart instead of its intended destination within a heart chamber.Looking back on this story, I instinctively knew that Danny’s death was an inevitability, although to me he was invincible. On the cold January night about a week or two before he died, I remember seeing him put on his jacket and head out the door on his way to the hospital. I was a 15-year old kid, laying on the carpet in front of the TV, watching some show at the time. My 6 foot 2 inch brother seemed extra large that night as he towered over me in his blue jacket as he turned towards me and said he would see me later.The details of his medical condition could fill a text book. He was born with a condition known as dextrocardia situs inversus totalis. This means that his heart was on the right side of his body and other organs were reversed, too.When he was born, he was supposed to die quickly. I guess God had a different plan for him and allowed him to stay with us for over 26 years. Although I spent many days of my life in Chicago’s Children’s Memorial Hospital during his illnesses, I never got tired of laying down with Danny when he got sick. I would place my head on his chest and listen to his heart beat a-rhythmically at over 220 beats per minute. At times it sounded like he had a percussion band inside his chest.With each episode of tachycardia he experienced, additional damage was being done to his heart muscles. The previous January (1978), Danny spent nearly a month in the hospital trying to recover from one of those episodes. The ventilator they used on him caused him to remain hoarse until he died a year later.Now getting back to his heart operation, I was sure Danny was going to survive. The doctors had installed a temporary pacemaker through his groin, and that electrode hit its target. With the aid of this pacemaker, Danny seemed stronger than ever, even though he had to be bedridden during this time.After a team of doctors were assembled and the permanent internal pacemaker was produced, the big day of the surgery arrived on Jan 19, 1979. After his surgery was over, I was relieved. I was able to visit him in his hospital room after the surgery was over and he had reawakened. We talked for a couple of minutes before I told him that I was going to be back to the hospital in a little while to see him. He said, “OK, I’ll see you later.” Those were the last words he ever spoke to me.I had to walk several miles home, through several feet of snow to pick-up radio control airplane equipment that I had ordered. Sometime during that cold and lonely walk, where no cars were driving down the roads due to the snow pack, Danny died. I didn’t know it at the time but I would soon find out when I returned to the hospital.I realized that Danny had died when I finally understood why my family, the nurses and the doctors were all crying in unison. When the truth hit my brain, it went into that high-speed recording mode and my primitive brain took over. I hit the floor, convulsing while I hyperventilated uncontrollably. While the nurses got a bag to place over my face, someone helped pick me up and put me in a chair as the nurses told me to hold my head low and breathe into the bag.After I emerged from the state of hyper-ventilation I was in, I managed to see him in his hospital bed. What I remember most about the moment that I saw him was that he died with a smile on his face. He died in peace and his pain was finally gone.After Danny died, I switched beds and started sleeping in his bed. Three nights later, Danny visited me in our bedroom in the middle of the night. His audible voice came into my bedroom and awoke me. As I sat up in the dark room, we had a conversation as my eyes strained to see his body. Although I’ll save most of the story for later, he told me that he had permission to talk to me because of the grief that I was suffering. He told me to believe that he was in a better place, a beautiful place, and to go on and live a happy life. He said that we would talk again if I never told anyone about this encounter.This event and the other situations I experienced at that time, had a very profound impact on me. My vision of life was completely re-written. I went from being a kid that played multiple sports to bring satisfaction to my Mom and Brother, to a kid that realized the impossibly thin edge that exists between life and death. I saw life passing in seconds, like a sun ray glimmering on a wave in a lake. To this day, I grieve over the loss of my brother and I look forward to the day we get to reunite.P.S.I didn’t tell this story to anyone for many months. Eventually, my immaturity as a 15 year-old coupled with the unbelievable nature of the after-death contact from Danny was too much for me to bear. I ended up sharing this story with my good friend Steve.Since that confession, Danny has never contacted me again. I broke the rules and have paid the price, although I was blessed to have my personal religion solidified for my lifetime.I know that many readers of this story will not believe it, but that is OK with me. I probably wouldn’t believe it either if someone told it to me. However, this encounter was the most profound event of my life and I know that it happened. Those minutes I shared with my deceased brother are with me every day that I live and have given me peace and solitude as I pass through space and time in this wonderful life.
What do you think of Dick's Sporting Goods announcing it will stop selling firearms completely?From what I hear, they are only pulling guns from some stores, and most of those are stores where gun sales are quite low. So basically, a store that still has high gun sales will likely still offer them with no change. This does not appear to be a politically-driven act, but more of an economic reason.However, Dick’s shot(no pun intended) themselves in the foot after the Parkland school shooting, when they announced they would refuse to sell a gun to anyone under 21. This was a clear message that they were afraid of the rabid part of the “anti-gun left”, and they were caving in to the societal pressure. That or they simply wanted to earn “brownie points”. In response, gun sales dropped quite a bit, and some pro-2nd Amendment supporters stopped shopping there altogether.Thus, this announcement is immediately taken by many on the right as “Dick’s first raised the age to buy a gun, and now they are refusing to sell any guns at all. Let’s boycott them fully.”Whether this mindset is correct, or rational, or totally wrong is irrelevant. By raising the age to 21, Dick’s was making a statement. They were saying the national law was not enough and that they were going to do their part in further restrictions(as is their right to do). However, as our dear friends on the left love to remind us…actions have consequences. In this case, those consequences appear to include a loss in revenue, and also a tendency for their customers who lean right politically to “jump to conclusions”.
My retained and paid attorney failed to show up in court (on my behalf), Now he is ignoring me. His law firm apologized but the damage is done. What should I do?Write a letter to the lawyer and managing partner at the firm describing in detail:when you retained them,what you paid them and when (enclose a copy of the engagement letter if you have one - many states require written agreements - if you don’t have one, mention that no written engagement letter was provided. Also enclose a copy of any receipt for payment),what services he was supposed to provide,what he failed to do,when the hearing he missed took place and what the hearing was for,what happened as a result of his failure to appear,how you were damaged as a result of his failure to appear,stating the fact that he apologized and how (phone, email - if email enclose a copy) and whenrequesting full refund of the retainer,and advising that you are reporting the attorney and the firm to the State Bar Association.Show that a “cc” of the letter including enclosures is going to the State Bar.Be sure to date your letter, include your full name and contact information, and to keep a copy of the letter and all other documents you are enclosing for yourself.Contact your State Bar Association and tell them you want to report this incident. They may have a form for you to fill out. If so, get it, complete it, and submit it with a copy of your letter to the attorney and all enclosures. If not, send them a letter telling them you are filing a grievance and enclosing a copy of the letter to the attorney and enclosures.A Bar representative may call you after you file your grievance for more information.If you suffered signNow damage beyond the loss of fees paid, contact an attorney who handles legal malpractice cases to see whether you have a viable claim. Most attorneys will meet with you for free initially to evaluate your case.
What are some of the strangest gun control proposals you can come up with?Banning guns based on how they look versus how they function.Banning guns based on a projectile being 1/1000th inch bigger than others equally capable.Banning guns based on the diameter or markings on their barrel that have no bearing on its ability to function.Making existing gun owners wait 8 days to take possession of a gun as a “cooling off” period.Banning possession of sheet metal or plastic boxes with springs because these, after all, are some of the most dangerous objects on the planet.Banning and not banning aforementioned boxes based on the number of rounds they hold but allowing the exact same box to be sold legally if it possesses the correct markings on the bottom.Having a one-gun-a-month law to prevent gun trafficking or straw purchases but allow anyone a lifetime waiver of that restriction by simply sending a form to the state saying they are a collector. Any reason for collecting is permissible (“In the event of a zombie apocalypse” is an acceptable reason).Where you live determines your ability to own a gun in the same state.Telling victims of home invasion they are to be arrested and treated as criminals because of the property someone else took from them.Being so concerned about privacy rights that you demand any would-be gun owner waive their HIPAA rights for life to make sure they aren’t “dangerous”.Declaring 18 through 20 year olds children and barring them from exercising their right to own a gun. But that’s the only right they are too immature or unable to exercise as a legal adult at those ages.Compiling lists of guns and gun owners in the utterly illogical belief that a couple pieces of signNow solves crimes.Banning the publication of computer code or plans for firearms that are freely available in printed form without restriction. Hating two parts of the Bill of Rights is pretty impressive stuff.Demand that we have noise dampening devices on vehicles and hearing protection on around machinery that can damage hearing in an instant as a public safety measure but regulate the same for firearms to the point it takes 9–10 months and Federal and State permission to own. And not all states will allow you to protect your hearing.Requiring a person to be fingerprinted, photographed and provide a background check and at least two days of training at their own expense and submit the application within 3 days for a license to allow them to apply to purchase a handgun. It is not a “permit-to-possess” but merely a permission slip to fill out a form.Declaring that items meant to safely hold a firearm in order to use it are too dangerous to have fitted to a gun.Buttons are verboten.Changing the color or finish on a gun makes it illegal to sell as “unsafe”.Declaring any semi-automatic rifle an “assault rifle” regardless of age, caliber or feed type.Declaring a Marlin or equivalent tube-fed .22LR semi-auto rifle an “assault weapon”.Allowing anyone via hearsay to claim someone is suspicious or may have violent tendencies and have their guns taken away from them without Due Process.I can go on. And on and on. All strange and ones I could have never come up with on my own.Note for the Irony Challenged: Every single item on this list is an actual law or regulation in force today somewhere in the United States.
Have you ever laughed when a doctor told you a diagnosis?Not at the diagnosis itself but getting here has been kind of amusing.A few years back, a doctor looking at a chest x-ray noticed that I had a healed crushed vertebra. I knew that I had hurt my back a year earlier but didn’t realize it was a crushed vertebra. When I told her that I got it lifting a shop-vac into my pickup truck, she was suspicious. As a (then) early 50’s male, I shouldn’t have bones getting crushed for something that innocuous. She ran some tests that showed that I had abnormally low bone density but everything else was fine. She suggested that I see a specialist.After a (long story) while I get to see an hematologist/oncologist. They start doing some measurements of protein in my blood. The value keeps rising. Bone marrow and biopsy tests from my hip shows unusual cells. The doctor says I have Waldenstrom’s macroglobulinemia. But … they keep testing and the protein value roughly stabilizes. It’s too high but not high enough for a definitive Waldenstrom’s diagnosis. I have Monoclonal Globulinemia of Unspecified Significance, MGUS. Treatment is to watch and wait to see if it develops into something more serious.This summer, I crush another vertebra lifting up a computer. MRI scan shows a tumor in the crushed vertebra and the vertebra next to it as well as some other damage. Diagnosis? Multiple myeloma.I get signed up for a clinical study for multiple myeloma. Doctors need to get another bone marrow and biopsy from my hip to baseline my condition before starting treatment. Diagnosis? Not multiple myeloma. It’s Waldenstrom’s.The hematologist wants to have a back specialist take a look. When I see the very experienced back specialist he says that he’s never seen Waldenstrom’s lead to crushed vertebra. Diagnosis? It’s probably multiple myeloma.But, importantly, he says we can’t keep guessing. We need to get a bone marrow and biopsy test from the vertebra to be certain. Result? It’s Waldenstrom’s. Everybody is now in agreement.I know way more about my immune system than I ever expected to know.
What is something you did as a kid that almost killed you?Not me, but my sister who is two years younger than me.When it was only the two of us, my father used to take us to different parks, lakes and beaches every weekend. We spent our time outdoors, bike-riding and actively engaging with the environment through physical activity or family interaction.13 years ago, when I was 8 years old, my father took my sister and me to a magnificent park that was sandwiched between a busy motorway and the sands leading to a typical busy beach in Sydney.We were playing football until the ball had been kicked past the space sequestering the park from the road, and moved towards the motorway. My younger sister, in awe of the ball, ran towards the motorway and rested on the side.I don’t remember this part too well, I can only recall it being dark ... well sunset dark.Tip 1 for people who have never been to Sydney: The motorways are ALWAYS busy, weekday, weekend, midnight … it is busy and the speed limit is at least 70km/hourAs a large truck was driving parallel to the park, she swiftly ran determined to pick up the ball and return to our game of football: This is how it was:She was not aware of the approaching truck and I ran after her (I don’t know if I ran to help her or because we always had to be around each other as children): this all happens in the space of a few seconds so my father realizes a few seconds later where we are standing.I scream and my father yells, she picks up the ball, and as she bends to pick up the ball, she successfully does so, as she stands the truck just passes by her. If her head had still been down, bending over to pick up the ball … I do not even want to fathom the consequences of an event that had occurred over a decade ago .. but death may have been a certain result in this case had she been a few seconds earlier, still bending and her head been struck by a truck travelling at high-speed.We don’t go to out with my father much since three more children came after us, and he works a lot more. He is still adventurous in heart and rhetoric.She is great. Funny, and still daring.
What are the biggest inefficiencies in the insurance industry?Where to start.First, the insurance industry is going through a major upgrade where a lot of the past inefficiencies are being solved and ironed out.There are inefficiencies at various stages of the insurance process. I will discuss two of the major ones:DistributionWhen you buy insurance, there are three main ways to buyGo to a lead generator online that shows you multiple quotes and then sells your information to insurance agents.The Problem: no one likes being cold called and having their information sold for a profit. You have to finish up your buying process over the phone and are often tossed around between lead generator, insurance agent, and insurance carrier. An example of a lead generator is EverQuote. This is the worst experience for the customer.Go directly to a carrier website and fill out one application and get their quoted price.The Problem: First, the carrier you go to may not be a good fit and just outright deny you a quote after all your work. Second, if you want to check prices on 5 different carriers, you have to fill out five applications. This leads to entering a lot of information five times. You also don’t really have an easy way to compare what is offered in the policy and how the coverage in the five policies compare.Go directly to a brick & mortar independent insurance agency, speak with one of their agents in person or over the phone, and fill out one application and get many prices.The Problem: you may have to visit a physical office. Only open during business hours 9–5 M-F. You have to make one/multiple phone calls. That being said, this is your best option out of the three listed, because you get an experienced professional looking at what you need and shopping not just on price, but quality and value of your policy.I’m trying to create a fourth option to make the insurance buying process more efficient. My goal is to make insurance shopping as easy as buying a plane ticket:What if there was an online insurance agency that allowed you to fill out one simple form online, you submit, and they do the shopping for you with multiple carriers, never sell your information, and send you multiple insurance packages to compare from multiple carriers all crafted for your specific needs. I work only online, email, text, and chat. No picking up the phone, no going to an actual building, and no “only open M-F 9–5”. Of course you can still call or come visit us if you want to, but we realize that is a less efficient shopping process.Now on to another inefficient area of insurance…Inspection & ClaimsInspection and claims is another part of the process that is extremely expensive and inefficient, but it is harder to solve without increasing fraud. Keep in mind that around 10% of claims paid out by insurance companies are fraudulent, so you often need an experienced professional to do the inspection during the initial application of the policy and during the claims process. This is inefficient because it requires scheduling a time, having a person physically drive out to the location of the property, and spend an hour looking at the place and writing a report. This person is expensive.This process is being improved by technology in ways such as using google maps, drone imaging, and even asking the customer to take video and photos of the damage or property to be covered. However, it still has a long way to go before it is anywhere near automated.
What is the best case of “You just picked a fight with the wrong person” that you've witnessed?I was a bit violent here, so I’ll not reveal my identity.But, some background first, I’m a buff male over 2 meters tall and back then I used to weight more than 100 kilograms. My weight is not composed of fat, it’s composed of muscle and generally I’m not someone you want to see yourself in a fight with, especially if you’re skinny/unarmed/not ready for a fight generally.I was with my mother in Paris, visiting her sister, or my aunt. We’re Irish and she lives there, because she’s married there.Unfortunately, we arrived far too early and my mother’s sister was not present just yet, we decided to eat in some Paris restaurant and I told my mother to go inside, order me whatever she orders for herself and I’ll be back, after I finish smoking my cigar.The waiter, a skinny dark-haired 19 year old boy refused to serve my Mom because she wanted to order in English, he refused service and when I entered the restaurant after my cigar, I heard him hurling insults at her, calling her a ‘Whore’, ‘English bitch’ and other insults. Unknown to him, and to everyone there, I am a certified French-English translator and I told him in English to serve the lady because she’s clearly not being impolite.He hurled insults at me too, calling me a ‘big fat ugly American’ (first time someone calls me an American). In that moment I grabbed him by his shirt and told him in French ‘I speak French too, maggot’. In that exact moment, he became pale and started sweating uncontrollably, he was not prepared for a fight and was afraid I could rip him apart, I simply told him in French ‘Call someone less of a bitch than you, and that can actually serve food’.It was my first time in Paris, and I would have never believed that Parisians would be so rude to foreigners. In other towns, the French were not only polite, but also helpful, but Parisiens (pardon my generalization) made me hate the city of Paris, and I hope I never visit that place again.
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How do I file a court claim?Try to settle the dispute outside of court. ... Contact the county clerk in the small claims court district closest to the residence or business of the person you are suing. ... Fill out a complaint form, otherwise known as a "Statement of Claim" at the clerk's office, and pay the filing fee.
How much is it to sue in small claims court?$10,000, except that a plaintiff may not file a claim over $2,500 more than twice a year. Limit for a local public entity or for businesses is $5,000. $6,500 is the limit in suits by an individual against a guarantor that charges for its guarantor or surety services.
How do I take someone to a small claims court?Try to settle the dispute outside of court. ... Contact the county clerk in the small claims court district closest to the residence or business of the person you are suing. ... Fill out a complaint form, otherwise known as a "Statement of Claim" at the clerk's office, and pay the filing fee.
What are the types of damages plaintiff can sue for?General Compensatory Damages The most common types of general damages are: pain and suffering. mental anguish, and. loss of consortium or companionship.
How do you file a small claims suit in Washington state?Find the right small claims court. Go to the district court in the district where the other person lives or where the business you are suing does business. ... Get a Notice of Small Claim. ... Fill out the Notice of Small Claim. ... After filling out the Notice of Small Claim form: