Friday, May 20, 2016

If Insurance is a Joke, How Come I'm Not Laughing?

Promise you won't laugh at me?  PROMISE?  I drink decaf coffee. Have one cup a day made in my Keurig.  Everyone knows that the darker the roast, the less caffeine and I buy the darkest DECAF I can find.  I like it strong, but don't need the 'buzz.'  Gosh, if I had any more energy than I already have I would be flying instead of walking.

So..........I open a new box of Starbucks Pike Place Decaf Coffee Pods.  Hubby calls to me and says "Wanna join me on the deck for coffee in the sunshine?"  It's Sunday.  Why not?  I could use the break.

"Absolutely! I'll be right there." We spent the better part of two hours chatting and enjoying the sun. I had two cups of 'coffee.'






















"This coffee is the weakest Starbucks I have ever tasted."  I drink it from a black large mug so cannot see the color but it sure tasted like water.

Monday morning rolls around and I make my coffee.  Same thing -- it is so weak without much flavor.  I decide to try a second cup after I poured the cold leftover coffee from my mug into the sink. IT WAS WATER.  Are you laughing yet?  It gets better.

I look at the little coffee pod and realize that this particular brand has a pull tab on the bottom which I had not removed.  I am trying to tell my husband but can't stop laughing.

There -- now for the second cup of honest-to-goodness strong decaf coffee.  It was NO DIFFERENT. I call Starbucks.  The lady knew me and couldn't stop laughing.  I had purchased pods for a different type of coffee maker.  They will NOT work in a Keurig.  They are for a Tassimo.


She told me to stop by and she would GIVE me a new box of Starbucks Keurig pods. I didn't expect them to do that -- it was my mistake.  But I think I made her day when I described the coffee which tasted like water!

If insurance is a joke, how come I'm not laughing?

When we opened our jewelry stores ten years ago, it was an exciting time.  We opened a store in three different communities that did not have a one-stop jewelry store.  We are unique in that we make all our own high-end jewelry, have a gemologist/designer/goldsmith on staff (my husband) which means we can meet all jewelry needs from repair to making a custom piece to appraising items for insurance purposes.  We also buy gold and silver from people who need to sell their old gold for cash or turn it into a designer piece for themselves.
Nitestar

During our first year, each store was burglarized at least one time.  It was devastating.  If you know anything about insurance companies, they will rarely reinsure you the second time you have a claim. You are put on a "list" and no one in the industry will reinsure you.  There is no way around it and that noose is always around your neck making you wonder if staying in business is worth the risk.


insurance



When an arsonist high on drugs set fire to our business a couple years earlier, the insurance company paid out a few thousand dollars against our claim of $300,000.  You ask why?  Because they can.  And we were put on the "List."  No insurance.  Ever. Again.  The loss was both business and personal and all these years later, still saddens me at the precious items we lost.


The first time we were robbed in our main store (the one I work at) our daughter-in-law was the store manager. At the end of the day, the trays of rings and baubles are placed into the safe and displayed in the showcases in the morning.  DIL was putting the jewelry out for the day when two women came in to browse.  She forgot to leave the doors locked until the jewelry was put into the showcases.

Thieves often travel in twos.  One will keep you occupied while the other robs you blind.  This time was no exception.  DIL had the tray of diamond rings out and glanced away for a moment.  The two women left the store along with a couple handfuls of rings to the tune of tens of thousands of dollars.

DIL was terrified she would lose her job or worse.  We assured her that accidents happen and tried to calm her. We tried not to show how despondent we were.  Now.......here is where it gets humorous - if you can find humor in this kind of situation.

Hold on .....now, you can laugh

The afternoon of the day two women robbed us they came BACK INTO the store, sat down at the desk and asked if we buy gold. DIL quickly realized what was happening. She looked at the first item which was one of our bracelets and told them she would buy it for $150 (a fraction of the value). They accepted it eagerly and as she suspected, the thieves then gave her several rings -- with OUR TAGS STILL ON THEM.  She grabbed the jewelry and had a few choice words for them.
jewelry robbery

They ran out of the store and apparently took the rest of the jewelry to the pawn shop in the next town.

The police were called.  The report filed.  The street people came in droves to tell us WHO took our stuff and where it ended up -at a pawn shop/fence in the big city.  I called them.  Yes, they had our goods but it could only be released to the police.  The police were called.  MANY times.  The police knew they only had 30 days to retrieve the goods from the pawn shop.  After that, the pawn shops are not obligated to keep stolen goods and they can be resold.  Each time we called the cops we were assured they were on top of it.  After 45 days, they finally made it to the pawn shop.  Our goods were gone.  "Sorry," they told us.

Because the girl was under age, she got a slap on the wrist and got away with grand theft to the tune of over $50K.

Fast Forward

We are located on the main street in our town,  As in most towns, there are many down and outers who stop in -- to chat, to sell the odd piece of jewelry or to dream of what they would like to buy or have custom made if their ship ever comes in.  

My husband has a heart of gold and gives them more than what their items are worth and will loan them money when they need it -- I KNOW, I KNOW.  But.......it is our new form of insurance.  We hadn't planned it that way -- it just happened.

They look out for us.  They report to us.  They tell everybody about us. They bring in their friends and relatives who can afford to buy from us.  

A few weeks ago, three different people told us that there was a young woman (the SAME one from years ago) who bragged she had robbed from us many times and was going to hit us again.  Over the past few years, we have found valuable pieces missing with no clue when or how they disappeared.  

One day a young couple was asking the price to have a pair of emerald earrings made.  Something didn't feel right but hubby couldn't put his finger on it.  The next day, they came in when I was there and asked about a few other things. I had no idea they were 'casing the joint.'

Day Three.  They came in and while the man kept my husband occupied, the woman stole several things, reaching into the cases and helping herself to the goodies.  It threw us both into an immediate depression.  Of course, these things never happen at a "good" time, but I was already in a low state and trying to stay afloat in the throes of very disturbing news from the previous month.  

After they left, hubby realized what had happened and I clearly heard it in his voice when he called me.  My heart was so heavy for him as we didn't need any more gloom and doom.

Then I remembered I had the man's phone number because the idiot thief gave it to me to call him when the earrings they ordered were ready.  

"Hi, is this Zack?"  I imagined he had not given me his real name -- but his real phone number! "Were you in our jewelry store earlier today to place an order?"

jewelry store robbery









"YES!  Hi."

"Congratulations!  You were on Candid Camera!  If you would like to bring back the items you took from us in the next 30 minutes we will not take this to the next level." I had no idea what that next level would be but was compelled to inflict some kind of threat.  It is common knowledge around town that the cops do zip all - not just our own experience.

"It wasn't me.  It was HER." 

"Time is wasting.  I suggest you find her quickly - you have 28 minutes."

Of course, they didn't come in -- I knew that the items had already been transformed into drugs, but hopefully I sent a message.

That evening a drug dealer called us to let us know he had our stuff. We had been kind to him over the years and he wanted to return the goods to us.  Hubby met with him and it was watches and rings we were not even aware were missing.  They were lower end items than what they had robbed earlier that day.

Depression was getting deeper and many negative thoughts were running rampant. Trying to rise above it was a struggle but necessary.

Are you still with me?  It gets better.

The following day, one of the native carvers who has several of his pieces on display in our store popped in to chat.  Hubby told him what happened and watched the carver's face turn red and fire come into his eyes.

"I'll be right back."

Twenty minutes later he came back.  I could not post here what happened but suffice it to say, the thief won't be robbing from us again.  We were clueless.  This man took it upon himself to set things in order.

native masksThe carver also gave us the girl's picture and we will be posting it to all the businesses in our town as she has robbed many of them repeatedly.  The carver told us to rest well, he was bringin' in the cuzzins'. We'll leave it at that.  It is their business and they obviously have a need to make things right.

"You don't rob from good people.  They are our friends.  They help everybody.  We are watching you."  That's the message they are sending.

We have no idea what this all means except it is the best form of insurance we have had for a long time.


In the middle of gloom, a child brings a smile

Small children, especially babies, are oblivious to what is going on in the adult world.  They love unconditionally and only want to be loved back.  No matter what you may be going through, a child has the unique ability to put a smile on your face.

Here's my little Diva at 2.5 months old.




























Her big brother dotes on her and wants to stay near her at all times. She giggles when she hears his voice or sees his face.  Nothing - ABSOLUTELY NOTHING - could be better than that.

























Each month I post a story for a blogging challenge called Fly on the Wall.  It is a group of bloggers who share funny, enlightening, and encouraging stories of what went on in their homes the previous month.  Please have a visit and see what these talented bloggers have been up to - you will be happy you did and they will appreciate you stopping by.

Baking In A Tornado
Juicebox Confession
Menopausal Mother
Spatulas on Parade
Searching for Sanity
Dinosaur Superhero Mommy 
Southern Belle Charm
My Brain on Kids                   


photos courtesy konacoffeebeans.org,  orixinsurance.com, 4autoinsurancequote.com, jdmanufacturing.com, abc7chicago.com

Friday, May 13, 2016

Where is Your Focus When Life Throws You a Curve?

When calamity strikes, how do you cope?  Have you ever had to suffer the loss of everything you hold dear in this world?  After years of traumatic events in my life, I was constantly asked to "write a book" because as difficult as it was to believe, people would draw strength from it.

I did write the book and that is precisely what happened.  I firmly believe we need to share our stories to help others who may be experiencing a similar dilemma.  Hence, my talk show was born - interviewing ordinary people who went through extraordinary circumstances and remarkably survived.  They give us tips and coping skills in dealing with the curves life throws at you.

THEN....smack in the middle of one of the greatest pains in my life (read about it here) the fires in Fort McMurray started.  Around the world, people pulled together to support those who had to flee their homes. Many of them did not have a chance to retrieve their wallets, or heartbreaking to believe -- their pets.  That story is here.  That post was written in response to a prompt challenge in a blogging group.  

Imagine my surprise when the next challenge was to use words that tied in precisely with those fires.  A fellow blogger at Climaxed gave me the words honey ~ blowing ~ fort ~ fireplace ~ problematic ~ social anxiety.

I was not expecting to grieve so deeply for the people in Fort McMurray, but it was too close to home.  My daughter and her family recently moved from there and they have friends and family who work there.  This tragedy is far from over and will affect lives for a long while.  In light of the fact that the summer has not yet started, the world prays for rain, the blowing winds to cease, and cooler temperatures.

The social anxiety that comes with these disasters is often bittersweet.  The tragedy can be beyond coping but it draws families and communities together.  We learn very quickly what is important in our lives.  As difficult as it is to lose our possessions, we cherish the people in our lives on a deeper level.


Tuesday, May 10, 2016

Did You Know the World's Biggest Con Job Thrives on Blind Trust?

Your immune system is as powerful as you make it.  If you want to be protected from Ebola or Zika or anything in between, it is up to you to keep your immunity against disease a strong force. Optimum health is possible if your body is given the proper tools.  

Optimum Health Is A Choice

Are you tired of feeling tired?  Of getting sick?  Having those awful symptoms that come with aging?  Lacking energy?  Is your hair getting thinner? Aging prematurely? Not sleeping well? Having health issues that just won't go away?  You are in good company because the longer I practice as a Symptomologist, the more I hear these discouraging words.  It is thrilling to offer improved health and......hope.

Do you believe the claims that vitamin companies make about their products?  Do you take the time to check if they are true? This is number six in a series on understanding the vitamins you are taking and whether or not they may harm or help your health.

I almost died (ovarian cancer) before I found natural unaltered food supplements that actually fed my cells and helped me gain a healthy life. Before that, I was taking vitamins, expecting them to help me.  But I had no idea what I was taking or that they were actually hurting me.  It is frustrating when people blindly accept what the advertisers tell them; it could be destroying their health, and their lives.


There are many vitamin companies, whose names I cannot will not mention for obvious reasons, that make false claims.  One thing I often hear is, "I take X brand supplements because they are a company I can trust."

Sunday, May 8, 2016

A Tribute to my Daughter - Happy Mother's Day

I wish I had words to describe my love and admiration for my daughter. I try -- but come up short. I have watched her survive much trauma in her young life and she never complains. She was a little girl when her father was in a serious car accident, leaving him disabled. She did everything she could to help me, encourage me and make me laugh. She was strong and a wealth of support for her mom. She has lost friends to cancer and suicide but is always the first one to console those around her.  She has lost much and endured immeasurable pain.  She is always first to offer a helping hand.  She lost her brother when he chose to walk away from our family four years ago and broke our hearts.

My daughter on the left.  Her daughter on the right.

I now watch her as a young mother and am overcome with emotion as she is a pillar of strength. She was born to be a mother. Almost losing her little son at birth, she stayed strong in her faith and he survived miraculously. But before he was a year old he contracted a very rare bacterial infection, had to undergo surgery only a handful have ever survived.  Shortly thereafter, the load was almost unbearable when she lost her second baby in utereo, yet she managed to be a source of strength for her family. Then her little girl had to fight an uphill battle to come into the world.

I watch her raise her children with a love and strength only a mother who has endured much heartache could comprehend. I consistently hear comments from friends, associates and even strangers who say they rarely see such incredible, polite, kind and gentle children. They have a mom who teaches them beyond their years.  Even though her son is only four years old, he has learned how to respect his parents, teachers, and peers.  He adores his baby sister, never tires of taking care of her and helps his mom in any way he is capable. 

When I need a friend.  When I need advice.  She has a unique perception and ability to see situations with resolution.  Every. Time.

She is my rock.

It is the strong women, the ones who give of themselves until they have nothing left to give – these are the women we need to applaud.  These are the women we need to rally around and cheer, returning the strength and love they so freely give to others. 

My beloved daughter – a mother who stands head and shoulders above – in any crowd.  

Friday, May 6, 2016

Can Anything Good Come From Total Devastation?

I am NOT a last-minute kind of gal but working seven days a week, long hours every day, sometimes things get put on the shelf until the last minute.  Me bad.  I read my challenging question for this month's Secret Subject Swap a couple weeks ago and didn't have a clue what to write about -- until an hour ago.
Fort McMurray


Something happened this week that can is affecting many people in the world and it is happening very 'close to home.'

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