"Hello... I am sorry I cannot answer your question, I may have to do something"
I have returned from a weekend hiatus… I had intended upon making some additions this weekend to Mimi’s blog as well as my own. However, as my real life seemed to pre-occupy my time, I had little time for recreational PC usage this weekend. My primary goal was to post some of Mimi’s latest naughty pics. It did not happen. I have figured out how I will best make this happen which is a huge step forward since I will not be stuck in front of my screen trying to work through how I might expose my wife. Since I have already worked through the technical aspects, I need to buck up, and build what needs to be built, then do the formatting.
That is the real trick, the formatting, because I hate tedium. I like being artistic, and I like cool finished products and can make decent artistic presentations, I just hate doing the work as it is tedious. An example, I maintain web pages for several people, and I could do more if I wanted and I could maybe even make a living out of doing web pages for people. The problem comes in that I dislike programming/coding, I hate the tedium or making things just right and building pages out is time consuming and is a pain in my ass. That adds up to me being just lazy… when it comes to that shit. It’s not my cup of tea. I do one sites because I benefit through trading services and the others I do as a favor and a bit of self gratification. But the thought of sitting for hours in front of my PC screen doing this work is truly a grating thing. Holy shit I am bitching and complaining again! Damnit, that pisses me off.
Not gonna bitch about personal endeavors. So I had a busy weekend, working with my own clients so I did not really have a lot of family time on my days off. The positive side, is that the money I made over the weekend working will allow me to get a paid vacation day, and take a day off next week netting zero days off and receiving a day of holiday pay. This is good shit, plus I still have some more hours to work and bill to fix the client up. Mimi did not appreciate that I was off and still working but there will be some pay-off next week. But then maybe I should bank all the money and work anyway… I do not know, I must contemplate especially since this will be the last paid holiday I will get till September. Hmmmm, I am pretty sure I am taking the day off!
I have several times mentioned my disdain for Corporate America. I am a conservative, and I am a Republican, but that does not mean I am “for big business.” I am for business in general. I know the backbone of our economy is made up of small business, and lets face it, if you have a business most folks want to grow that business so they can give it to their kids, or the business grows so quickly or grow so large, the owner cannot handle it, and that company and its products or services get bought out by bigger companies who can better provide that product or service.
As an entrepreneur, I do have problems with the mindset of some businesses, be it large or small, but this problem I have generally occurs exclusively with big business. A general example is that of NASCAR.
I used to love watching NASCAR as a child. Any time a race was on TV on a Saturday or Sunday afternoon I would watch it. We had this black and white TV and a corded oval carpet. I had my Hot Wheels racetrack with the high banks, the charge up cars and all setup around that oval carpet with the carpet being the infield. I would race my cars and watch the guys on TV race. I remember the first time I went to see a race, I got to meet some of the drivers and it was like they were regular people and there was no bravado in accessing them. I recall as little as ten years ago, how if I told someone I was a NASCAR fan, I was a redneck. But I could still go to the track, get some decent seats and even get pit passes fairly easily. Today, the sport is difficult and incredibly expensive to access and next to impossible in gaining access to the drivers; this has even become the norm for Bush series races. So I have disavowed NASCAR. I refuse to watch it. The bottom line reason I have boycotted this sport is because I love the sport but the sport does not love me. They may say they do, but they don’t care about me, know who I am any more, and they only care about money and their sponsors. If you are an old time race fan, I still remember as a child David Pearson, and Richard Petty, Ned Jarret, A.J. Foyt, Buddy Baker and the likes swapping paint, bumping and dodging on the track, folks getting spun out, and holy shit, who ever heard of a caution for debris unless it was a radiator lying in the middle of the track. It is a sterile sport now. It is no longer the racing I grew up with and it was all ruined by the money, commercialism and the “appearance and impression” factor. The guys are clean cut poster boys now, and everything has to be just right! I understand that Larry the Cable Guy said “Git ‘er Dun” instead of Gentlemen Start your Engines. I bet that pissed off Bill France and his gang.
Now it’s not NASCAR that I intend to go on about, that can be debated, and I do understand there is a new breed of driver and fan, and blah, blah, blah. I only have one last argument to make… When you can show me a Japanese bootlegger I might be convinced the roots of NASCAR have not been lost, so until then fuck off Bill France!
So my base example of what I am to embark upon has been set, ultimately, the big company just does not give a fuck about their patrons. It’s all about the money. Companies and organizations can say how much they care about you all the fucking day long, but when it comes down to it the only thing that anyone cares about is the executive who lines his pockets. Now I honestly could give a shit about executives lining their pockets, I mean they built the company or weaseled themselves into a position to make themselves some cash and isn’t that what this country is all about, Capitalism? No I do not begrudge them so very much for wanting to make money, but what I do have an issue with is those executives adopting Marie Antoinette’s attitude, “let them eat cake!” Well now I am fucking pissed. There is one main industry that pisses me off, but very large fortune businesses are guilty as well with the way they pitch their people aside like canon fodder. But mainly I fucking hate the insurance industry.
Over the last few months, but most recently it seems I have had to deal with insurance companies a whole lot more than I want. One nice thing about being directly employed is that when it comes to your health insurance you have a benefits department to deal with all of your bullshit problems. On top of that, if a member of your benefits department calls, the insurance company doesn’t fuck around; the two organizations get together and work things out. If there is a billing problem or a payment issue, there is lots of money already tied up where over time things get worked out and people get paid.
On the contrary, the insurance companies want money from you right now regardless of whether it is truly owed or not, and they will just as quickly cancel your insurance than fuck around with a couple of hundred dollars. Now none of my insurance has gotten cancelled because we intervened to ensure it would or did not. But there has been much time spent on the phone with the company to resolve a stupid fucking issue which if someone had done their job the first time, our time on the phone would have been limited to a single call. But they fucking care… right. The fucking insurance company cares about you and your health and life. Bullshit I say. That bullshit commercial is so full of shit I want to puke every time I hear it and they try to tell me how much they care about me and my family and our life. I pay an ass of money to them each month just so they can come the fuck back to tell me they paid $26 dollars for a $140 visit where I already have paid a co-pay o $40 and there was not a fucking thing wrong with my daughter that could be treated. The tests were negative showing she had a virus of some sorts. She was better several days later, but if the Doc had not performed these tests, then there could have been a mis-diagnosis and now another insurance company would be worried about paying out for a doctors fuck up, driving my costs up at the doctor and my insurance company more than they will already go up since the fucking insurance companies think they are cable companies and can get away with increasing their rates each year because they need more fucking money. I mean its just a few dollars, right… The consumer won’t notice that extra $30 dollars here and $5 there, and $20 over; wait that is another $55 a month… they have us by the short hairs folks! I bet if you add up all the services that increase each year, and compare them against your bullshit 3 – 4% annual increase you may get; my hunch is your raise is outstripped many, many times for the bullshit increases you pay. Just a hunch, you may want to follow up on that.
Ok, so that is not even my bitch today, that just got me started on my real bitch today. So we have determined I have shit for concern when it comes to insurance companies. They are out there to make money. I accept that as a given fact in our society. But they could be like a fucking whore; you pay them and they give something back and act like they care. Oh, but not a fucking way. The insurance companies are like your local dominatrix down the street (we all have a dominatrix down the street, don’t we?), you go and pay them, they tell you what they want and what you will do, they fuck you and you are supposed to like it. And many of the times, they refuse to tell you the “safe word” so you have no idea to get them to give you a break in the fucking, they just keep ramming you and you keep paying. Fucking bitch ass insurance companies. I mean, please… just a reach around while you are fucking me Ole Great Insurance Company… something, anything, not much am I asking for, just act like you care cause I know they do not.
So I get what I think is some good news this weekend. I get some mail for an open enrollment and it appears I am now eligible for some group insurance through the contracting company with whom I work. At first glance I am thinking this is some good shit. So normally when you get paid, you get say $60 or so taken from your check a couple of times a month for insurance, then you know there is also the cash for dental vision, blah, blah, blah. Well, at first glance I am seeing this and the low prices and I am thinking holy shit, I could save as much as $500 a month going to this group plan from a private insurance plan. We have to look at this, no doubt!
Today Mimi and I start looking, and after examining it, the amounts I was looking at were not twice monthly, but every week. And not just every week pre-tax… Oh no, it is post tax. So we went from that nice silicone based lube to the water base lube to some hand lotion (never mind the slight burning sensation). So already I am feeling a slight fucking, but it’s not too terribly bad. We do the math and there is a couple hundred dollars still there in savings by going to this plan. So we look deeper, and then there is a whole fucking page of exclusions. Now I know they cannot really exclude you moving form a group to group policy (I maintain my group policy from my last employer through COBRA, but everyone else on a private policy.) but there are some things you have to do.
Knowing my friendly caring insurance industry, I know I have to call these fuckers and find out what’s up with transferring between group policies. So I call, and get a nice friendly sounding lady and start asking my questions about known conditions and exclusions. And she kept telling me I needed to look at my policy information. I told her I had, but I need to get some specifics, so I can decide if I want to switch. She tells me she cannot help me with that, as switching is a decision I must make. So I tell her that I have this precondition and need to know if the exclusions would apply. She says yes, but only if I switch plan (OK baby, no fucking shit… I understand that if I switch these questions are valid). I ask her to look at my other group policy since they hold that policy as well. She tells me that I am covered there (yeah, no shit, thus will I be covered in the new one, you moron) but I need to read about the exclusions in the new policy. I now repeat that I had, and I KNOW there is a way to transfer between group policies to avoid exclusions. I want you all to know this is a major, super fucking large insurance company I am dealing with. The lady comes out and says, “well, then you could ask for a voucher from your current group holder showing you have current insurance and then there would be no lapse in your conversion.” Then I ask quite specifically, “then, if I get that I can switch to this policy and my pre-existing condition would not be excluded, right?” She tells me, that she cannot help me make that decision, that switching policies is my own choice.
I am sorry folks. If you are customer service and you hear you have someone on the edge, do not tempt him over the edge, please. It is a wholly wrong practice and I swear she did this shit on purpose. Without calling her a moron, I said, “look, I am not asking you to make a choice for me. I know you want to cover your ass, and not get into some legal trouble and blah, blah, blah (this is sort of like the time I called my insurance company when I needed to take my little girl to the emergency room, and they refused to tell me which hospital to take my girl to even though I was a member – fuckers, so I ended up paying out the ass because I went to the wrong fucking hospital). Just tell me, if I have this document will I be under exclusions, I am looking for simply a yes or no.” She tells me no, I will not be under any exclusions. I had a 15 minute moronic conversation to get to this answer because she is trained to give no information and to let people fuck themselves.
So there ended up being some other things that made this whole deal unattractive and we did not end transfer to the new plan. My point to all of this is that it pisses me off companies like these are not there to help you, they are there to cover their asses and if you do not play twenty questions they will tell you nothing. They want to save money, and want you to pay more money. They will fuck you as much as you want, but when it comes to post coital comforting, there is none of that shit. Nope, it’s all the fucking you want and when you are done they move on to the next customer. If you have no money you can kiss their ass. And when they only want to pay $2 dollars for a $10 million dollar bill, be ready to pay for the rest of your life cause that measly third of your paycheck they take from you is a drop in the bucket and means more or less nothing to them. It is more of a punishment that you endure so you do not endure some horrible 5th mortgage expense from a hospital stay.
I have written way too much and it’s not even what I meant to talk about. Just sort of worked up about my insurance issue. I hope soon I will no longer have to deal with this thorn in my side. We shall see!
That is the real trick, the formatting, because I hate tedium. I like being artistic, and I like cool finished products and can make decent artistic presentations, I just hate doing the work as it is tedious. An example, I maintain web pages for several people, and I could do more if I wanted and I could maybe even make a living out of doing web pages for people. The problem comes in that I dislike programming/coding, I hate the tedium or making things just right and building pages out is time consuming and is a pain in my ass. That adds up to me being just lazy… when it comes to that shit. It’s not my cup of tea. I do one sites because I benefit through trading services and the others I do as a favor and a bit of self gratification. But the thought of sitting for hours in front of my PC screen doing this work is truly a grating thing. Holy shit I am bitching and complaining again! Damnit, that pisses me off.
Not gonna bitch about personal endeavors. So I had a busy weekend, working with my own clients so I did not really have a lot of family time on my days off. The positive side, is that the money I made over the weekend working will allow me to get a paid vacation day, and take a day off next week netting zero days off and receiving a day of holiday pay. This is good shit, plus I still have some more hours to work and bill to fix the client up. Mimi did not appreciate that I was off and still working but there will be some pay-off next week. But then maybe I should bank all the money and work anyway… I do not know, I must contemplate especially since this will be the last paid holiday I will get till September. Hmmmm, I am pretty sure I am taking the day off!
I have several times mentioned my disdain for Corporate America. I am a conservative, and I am a Republican, but that does not mean I am “for big business.” I am for business in general. I know the backbone of our economy is made up of small business, and lets face it, if you have a business most folks want to grow that business so they can give it to their kids, or the business grows so quickly or grow so large, the owner cannot handle it, and that company and its products or services get bought out by bigger companies who can better provide that product or service.
As an entrepreneur, I do have problems with the mindset of some businesses, be it large or small, but this problem I have generally occurs exclusively with big business. A general example is that of NASCAR.
I used to love watching NASCAR as a child. Any time a race was on TV on a Saturday or Sunday afternoon I would watch it. We had this black and white TV and a corded oval carpet. I had my Hot Wheels racetrack with the high banks, the charge up cars and all setup around that oval carpet with the carpet being the infield. I would race my cars and watch the guys on TV race. I remember the first time I went to see a race, I got to meet some of the drivers and it was like they were regular people and there was no bravado in accessing them. I recall as little as ten years ago, how if I told someone I was a NASCAR fan, I was a redneck. But I could still go to the track, get some decent seats and even get pit passes fairly easily. Today, the sport is difficult and incredibly expensive to access and next to impossible in gaining access to the drivers; this has even become the norm for Bush series races. So I have disavowed NASCAR. I refuse to watch it. The bottom line reason I have boycotted this sport is because I love the sport but the sport does not love me. They may say they do, but they don’t care about me, know who I am any more, and they only care about money and their sponsors. If you are an old time race fan, I still remember as a child David Pearson, and Richard Petty, Ned Jarret, A.J. Foyt, Buddy Baker and the likes swapping paint, bumping and dodging on the track, folks getting spun out, and holy shit, who ever heard of a caution for debris unless it was a radiator lying in the middle of the track. It is a sterile sport now. It is no longer the racing I grew up with and it was all ruined by the money, commercialism and the “appearance and impression” factor. The guys are clean cut poster boys now, and everything has to be just right! I understand that Larry the Cable Guy said “Git ‘er Dun” instead of Gentlemen Start your Engines. I bet that pissed off Bill France and his gang.
Now it’s not NASCAR that I intend to go on about, that can be debated, and I do understand there is a new breed of driver and fan, and blah, blah, blah. I only have one last argument to make… When you can show me a Japanese bootlegger I might be convinced the roots of NASCAR have not been lost, so until then fuck off Bill France!
So my base example of what I am to embark upon has been set, ultimately, the big company just does not give a fuck about their patrons. It’s all about the money. Companies and organizations can say how much they care about you all the fucking day long, but when it comes down to it the only thing that anyone cares about is the executive who lines his pockets. Now I honestly could give a shit about executives lining their pockets, I mean they built the company or weaseled themselves into a position to make themselves some cash and isn’t that what this country is all about, Capitalism? No I do not begrudge them so very much for wanting to make money, but what I do have an issue with is those executives adopting Marie Antoinette’s attitude, “let them eat cake!” Well now I am fucking pissed. There is one main industry that pisses me off, but very large fortune businesses are guilty as well with the way they pitch their people aside like canon fodder. But mainly I fucking hate the insurance industry.
Over the last few months, but most recently it seems I have had to deal with insurance companies a whole lot more than I want. One nice thing about being directly employed is that when it comes to your health insurance you have a benefits department to deal with all of your bullshit problems. On top of that, if a member of your benefits department calls, the insurance company doesn’t fuck around; the two organizations get together and work things out. If there is a billing problem or a payment issue, there is lots of money already tied up where over time things get worked out and people get paid.
On the contrary, the insurance companies want money from you right now regardless of whether it is truly owed or not, and they will just as quickly cancel your insurance than fuck around with a couple of hundred dollars. Now none of my insurance has gotten cancelled because we intervened to ensure it would or did not. But there has been much time spent on the phone with the company to resolve a stupid fucking issue which if someone had done their job the first time, our time on the phone would have been limited to a single call. But they fucking care… right. The fucking insurance company cares about you and your health and life. Bullshit I say. That bullshit commercial is so full of shit I want to puke every time I hear it and they try to tell me how much they care about me and my family and our life. I pay an ass of money to them each month just so they can come the fuck back to tell me they paid $26 dollars for a $140 visit where I already have paid a co-pay o $40 and there was not a fucking thing wrong with my daughter that could be treated. The tests were negative showing she had a virus of some sorts. She was better several days later, but if the Doc had not performed these tests, then there could have been a mis-diagnosis and now another insurance company would be worried about paying out for a doctors fuck up, driving my costs up at the doctor and my insurance company more than they will already go up since the fucking insurance companies think they are cable companies and can get away with increasing their rates each year because they need more fucking money. I mean its just a few dollars, right… The consumer won’t notice that extra $30 dollars here and $5 there, and $20 over; wait that is another $55 a month… they have us by the short hairs folks! I bet if you add up all the services that increase each year, and compare them against your bullshit 3 – 4% annual increase you may get; my hunch is your raise is outstripped many, many times for the bullshit increases you pay. Just a hunch, you may want to follow up on that.
Ok, so that is not even my bitch today, that just got me started on my real bitch today. So we have determined I have shit for concern when it comes to insurance companies. They are out there to make money. I accept that as a given fact in our society. But they could be like a fucking whore; you pay them and they give something back and act like they care. Oh, but not a fucking way. The insurance companies are like your local dominatrix down the street (we all have a dominatrix down the street, don’t we?), you go and pay them, they tell you what they want and what you will do, they fuck you and you are supposed to like it. And many of the times, they refuse to tell you the “safe word” so you have no idea to get them to give you a break in the fucking, they just keep ramming you and you keep paying. Fucking bitch ass insurance companies. I mean, please… just a reach around while you are fucking me Ole Great Insurance Company… something, anything, not much am I asking for, just act like you care cause I know they do not.
So I get what I think is some good news this weekend. I get some mail for an open enrollment and it appears I am now eligible for some group insurance through the contracting company with whom I work. At first glance I am thinking this is some good shit. So normally when you get paid, you get say $60 or so taken from your check a couple of times a month for insurance, then you know there is also the cash for dental vision, blah, blah, blah. Well, at first glance I am seeing this and the low prices and I am thinking holy shit, I could save as much as $500 a month going to this group plan from a private insurance plan. We have to look at this, no doubt!
Today Mimi and I start looking, and after examining it, the amounts I was looking at were not twice monthly, but every week. And not just every week pre-tax… Oh no, it is post tax. So we went from that nice silicone based lube to the water base lube to some hand lotion (never mind the slight burning sensation). So already I am feeling a slight fucking, but it’s not too terribly bad. We do the math and there is a couple hundred dollars still there in savings by going to this plan. So we look deeper, and then there is a whole fucking page of exclusions. Now I know they cannot really exclude you moving form a group to group policy (I maintain my group policy from my last employer through COBRA, but everyone else on a private policy.) but there are some things you have to do.
Knowing my friendly caring insurance industry, I know I have to call these fuckers and find out what’s up with transferring between group policies. So I call, and get a nice friendly sounding lady and start asking my questions about known conditions and exclusions. And she kept telling me I needed to look at my policy information. I told her I had, but I need to get some specifics, so I can decide if I want to switch. She tells me she cannot help me with that, as switching is a decision I must make. So I tell her that I have this precondition and need to know if the exclusions would apply. She says yes, but only if I switch plan (OK baby, no fucking shit… I understand that if I switch these questions are valid). I ask her to look at my other group policy since they hold that policy as well. She tells me that I am covered there (yeah, no shit, thus will I be covered in the new one, you moron) but I need to read about the exclusions in the new policy. I now repeat that I had, and I KNOW there is a way to transfer between group policies to avoid exclusions. I want you all to know this is a major, super fucking large insurance company I am dealing with. The lady comes out and says, “well, then you could ask for a voucher from your current group holder showing you have current insurance and then there would be no lapse in your conversion.” Then I ask quite specifically, “then, if I get that I can switch to this policy and my pre-existing condition would not be excluded, right?” She tells me, that she cannot help me make that decision, that switching policies is my own choice.
I am sorry folks. If you are customer service and you hear you have someone on the edge, do not tempt him over the edge, please. It is a wholly wrong practice and I swear she did this shit on purpose. Without calling her a moron, I said, “look, I am not asking you to make a choice for me. I know you want to cover your ass, and not get into some legal trouble and blah, blah, blah (this is sort of like the time I called my insurance company when I needed to take my little girl to the emergency room, and they refused to tell me which hospital to take my girl to even though I was a member – fuckers, so I ended up paying out the ass because I went to the wrong fucking hospital). Just tell me, if I have this document will I be under exclusions, I am looking for simply a yes or no.” She tells me no, I will not be under any exclusions. I had a 15 minute moronic conversation to get to this answer because she is trained to give no information and to let people fuck themselves.
So there ended up being some other things that made this whole deal unattractive and we did not end transfer to the new plan. My point to all of this is that it pisses me off companies like these are not there to help you, they are there to cover their asses and if you do not play twenty questions they will tell you nothing. They want to save money, and want you to pay more money. They will fuck you as much as you want, but when it comes to post coital comforting, there is none of that shit. Nope, it’s all the fucking you want and when you are done they move on to the next customer. If you have no money you can kiss their ass. And when they only want to pay $2 dollars for a $10 million dollar bill, be ready to pay for the rest of your life cause that measly third of your paycheck they take from you is a drop in the bucket and means more or less nothing to them. It is more of a punishment that you endure so you do not endure some horrible 5th mortgage expense from a hospital stay.
I have written way too much and it’s not even what I meant to talk about. Just sort of worked up about my insurance issue. I hope soon I will no longer have to deal with this thorn in my side. We shall see!
posted by Just Call Me Jay at 6:32 AM
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