do you ever tell yourself you've done nothing wrong
    15 years
|
So why worry, pull an Alfred E Neuman?
I feel that sometimes the nature of society is to protect itself, so assume you've done something wrong, and prove you have not.
Examples.
Well, just today, I checked in at Yelp and a 15% discount popped up. Showed it to the waitress and she said no problem.
Then when the check comes, she said let me see your phone I'll let the owner check it, the owner says we don't participate in that. I said, no, I'm not going to do that, if you won't honor it, then don't honor it. And I was literally thinking of giving $0 for the tip, which I've never done before except once in 1989 lol
Should I have simply handed over my phone and let her take it to the owner, why? It's a highly personal item that needs to be secured.
When my son broke his leg, I paid $5,500, deductible plus max out of pocket. Months later I get a letter stating I need to provide the details of how he broke his leg, and if any other party was involved. If not, claims could be denied. I said to myself, I didn't do anything wrong, if you're looking to find insurance fraud, well, be my guest. Good riddance. I never responded.
Got some letter from my work insurance carrier to state that my wife has no other insurance. Since she didn't, I complied and signed a letter and emailed it back.
That is the first time I've experienced where I am the subscriber, and I have no access to her claims, and they send letters to her. I saw in the USPS informed delivery that something was coming yesterday to her, from my insurance carrier last year. Here, I told myself I've done nothing wrong, so whatever that letter contains, I have nothing to worry about. It was a EOB for 4th quarter 2022.
Do you ever feel that if you've done nothing wrong, all these trials are an Alfred E Neuman?
Welcome to the new world
Welcome to the new world order. It will only get worse.
Regarding the restaurant, if waitress didn't know, should have checked with her superior before giving you an answer. I probably would have tipped but would have approved an amount for 15% less for the whole bill, itemizing the 15% yelp coupon. And/or post the name of the restaurant on the local fb page or nextdoor. Eateries that play such games get none of my business.
That business lost a good opportunity to turn a small loss into a huge gain.
Guided Access Mode
So why worry, pull an Alfred E Neuman?
I feel that sometimes the nature of society is to protect itself, so assume you've done something wrong, and prove you have not.
Examples.
Well, just today, I checked in at Yelp and a 15% discount popped up. Showed it to the waitress and she said no problem.
Then when the check comes, she said let me see your phone I'll let the owner check it, the owner says we don't participate in that. I said, no, I'm not going to do that, if you won't honor it, then don't honor it. And I was literally thinking of giving $0 for the tip, which I've never done before except once in 1989 lol
Should I have simply handed over my phone and let her take it to the owner, why? It's a highly personal item that needs to be secured...
If you have an iPhone it's possible to disable the phone's buttons to prevent others from messing with your phone while it's in their possession. Feature is called "Guided Access". Youtube video here: "What To Do Before Handing Your iPhone to a Cashier, Ticket-Taker or Police" https://www.youtube.com/shorts/irx3CJHXFfM
Mark
Yes
yep, I'm perfect
.
~snip~
Well, just today, I checked in at Yelp and a 15% discount popped up. Showed it to the waitress and she said no problem.
Then when the check comes, she said let me see your phone I'll let the owner check it,
~snip
When my son broke his leg, I paid $5,500, deductible plus max out of pocket. Months later I get a letter stating I need to provide the details of how he broke his leg, and if any other party was involved. If not, claims could be denied. ~snip~
Restaurant. Let me start by saying I'm a blue collar worker and am a heavy tipper. I appreciate good work. I even tip our trash guys and postal worker. That said I would not have tipped the waitress since she led you to believe you were getting the 15% off BEFORE taking your order and delivering your food, and I would have politely told her that. Next time she'll check before saying yes.
Deductible. Most likely this part, "If not, claims could be denied." was to get you to respond but wasn't true. They were fishing for a way to get 'help' with paying the claim.
It reminds of a time when my ex-wife was rear ended by a drunk driver who had no insurance. Our car insurance company was on the hook for paying her damages, PA has 'no fault' laws. Anyway, I get a call one day asking me about my motorcycle insurance. I asked what it was about and they referred to the ex-wife's claim. I told them, first I wasn't in the car with her and most important my motorcycle had zero to do with that accident and they were not going to get any info regarding that (separate, different company) insurance or anything else for that matter. I believe it was a Hail Mary type of thing to help pay her claim. I never heard from them again.
Insurance is a necessary evil, but I hate dealing with them for any reason at all. They sell you a product, and as long as you don't use that product everything is fine, but if you have occasion to actually use it they try to rake you over the coals. I often wonder how many people pay insurance premiums, of any kind, and never use it, must be a lot of free money for the insurance company.
. 2 Garmin DriveSmart 61 LMT-S, Nuvi 2689, 2 Nuvi 2460, Zumo 550, Zumo 450, Uniden R3 radar detector with GPS built in, includes RLC info. Uconnect 430N Garmin based, built into my Jeep. .
you are right
Insurance is a necessary evil, but I hate dealing with them for any reason at all. They sell you a product, and as long as you don't use that product everything is fine, but if you have occasion to actually use it they try to rake you over the coals. I often wonder how many people pay insurance premiums, of any kind, and never use it, must be a lot of free money for the insurance company.
The best one is if something happens and you're the 3rd party. The insurance carrier such as your employer or the mall or wherever, will come across as if they're on your side. They are NOT!!!!
Example, if someone sues you and your employer--the insurance wants to show that you were willful, so they don't pay. If you are negligent, they pay.
I realize that I have literally put in almost 6 figures into my employer's self-funded health plan for so long, never taking out. When I did last Dec., I got a $1200 bill because I hadn't met the deductible, huge win for them. I was putting in over $7k/year and taking zero out. For how long maybe 10 years.
p.s. on the restaurant this weekend, I also thought about it and realized they had already deducted 15%, yet still wanted to see my phone. Because when I said no the waitress left the check and it had 15% off. I bet they wanted to see if I had just flashed a bogus screen shot or something, which again, shows no bedside manor nor customer service ability. Maybe people text Yelp screens around etc, who knows. If so, then install an expiring or rotating barcode that needs to be scanned. But don't give the customer a hard time when they are following the rules imho Coupons have been around for longer than I have been alive, it's not a new thing in 2023
insurance used to be a shared-risk business
Insurance is a necessary evil, but I hate dealing with them for any reason at all. They sell you a product, and as long as you don't use that product everything is fine, but if you have occasion to actually use it they try to rake you over the coals. I often wonder how many people pay insurance premiums, of any kind, and never use it, must be a lot of free money for the insurance company.
The best one is if something happens and you're the 3rd party. The insurance carrier such as your employer or the mall or wherever, will come across as if they're on your side. They are NOT!!!!
Example, if someone sues you and your employer--the insurance wants to show that you were willful, so they don't pay. If you are negligent, they pay.
I realize that I have literally put in almost 6 figures into my employer's self-funded health plan for so long, never taking out. When I did last Dec., I got a $1200 bill because I hadn't met the deductible, huge win for them. I was putting in over $7k/year and taking zero out. For how long maybe 10 years.
p.s. on the restaurant this weekend, I also thought about it and realized they had already deducted 15%, yet still wanted to see my phone. Because when I said no the waitress left the check and it had 15% off. I bet they wanted to see if I had just flashed a bogus screen shot or something, which again, shows no bedside manor nor customer service ability. Maybe people text Yelp screens around etc, who knows. If so, then install an expiring or rotating barcode that needs to be scanned. But don't give the customer a hard time when they are following the rules imho Coupons have been around for longer than I have been alive, it's not a new thing in 2023
If you live long enough you may be on the other end. No one wins though.
Insurance (at least health insurance) used to be a shared-risk business. It has become a for-profit business comprised of financial institutions which decidedly are 1) not health institutions and 2) on their own side and not yours.
really
Insurance is a necessary evil, but I hate dealing with them for any reason at all. They sell you a product, and as long as you don't use that product everything is fine, but if you have occasion to actually use it they try to rake you over the coals. I often wonder how many people pay insurance premiums, of any kind, and never use it, must be a lot of free money for the insurance company.
The best one is if something happens and you're the 3rd party. The insurance carrier such as your employer or the mall or wherever, will come across as if they're on your side. They are NOT!!!!
Example, if someone sues you and your employer--the insurance wants to show that you were willful, so they don't pay. If you are negligent, they pay.
I realize that I have literally put in almost 6 figures into my employer's self-funded health plan for so long, never taking out. When I did last Dec., I got a $1200 bill because I hadn't met the deductible, huge win for them. I was putting in over $7k/year and taking zero out. For how long maybe 10 years.
p.s. on the restaurant this weekend, I also thought about it and realized they had already deducted 15%, yet still wanted to see my phone. Because when I said no the waitress left the check and it had 15% off. I bet they wanted to see if I had just flashed a bogus screen shot or something, which again, shows no bedside manor nor customer service ability. Maybe people text Yelp screens around etc, who knows. If so, then install an expiring or rotating barcode that needs to be scanned. But don't give the customer a hard time when they are following the rules imho Coupons have been around for longer than I have been alive, it's not a new thing in 2023
If you live long enough you may be on the other end. No one wins though.
Insurance (at least health insurance) used to be a shared-risk business. It has become a for-profit business comprised of financial institutions which decidedly are 1) not health institutions and 2) on their own side and not yours.
Excellent point you bring up.
At one point in her life, my wife was licensed to sell securities and life insurance. I liked to read through her study materials at the time.
One concept that blew my mind: mortality risk expense
This is a fee that insurance cos charge the insured.
1. Life insurance--in case you die too soon
2. Annuities--in case you live too long
They used to place bets on us both ways, until people stopped buying annuities.