The Magic Bank Account

July 27, 2018

Magic bank account

Recently, a friend reached out to me and sent the below message. Thank you, John, for thinking of me. I would like to share it with you…

George, This is you!

John

THE AUTHOR IS NOT KNOWN.   IT WAS FOUND IN THE BILLFOLD OF
COACH PAUL BEAR BRYANT, ALABAMA, AFTER HE DIED IN 1982.

The Magic Bank Account

Imagine that you had won the Following *PRIZE* in a contest:

Each morning your bank would deposit $86,400 In your private account
for your use…..
However, this prize has Rules:
The set of Rules:

1. Everything that you didn’t spend during each day would be taken away from
you.

2. You may not simply transfer money into some other account.

3. You may only spend It.

4. Each morning upon awakening, the bank opens your account with another
$86,400 for that Day.

5. The bank can end the game without warning; at any time, it can say,

Game Over!” It can close the account and you will not receive a new one.

What would you personally do?

You would buy anything and everything you wanted right?  Not only
for yourself, but for all the people you love and care for.  Even for
people you don’t know because you couldn’t possibly spend it all on
yourself, right?

You would try to spend every penny, and use it all, because you knew
it would be replenished in the morning, right?

ACTUALLY, This GAME is REAL…   Shocked ???
YES!

Each of us is already a winner of this *PRIZE*. We just can’t seem to see
it.

The PRIZE is *TIME*

1. Each morning we awaken to Receive 86,400 seconds as a gift of Life.

2. And when we go to sleep at night, any remaining time is not credited to us.

3. What we haven’t used up that day is forever lost.

4. Yesterday is forever gone.

5. Each morning the account is refilled, but the bank can dissolve your
account at any time WITHOUT WARNING…

SO, what will YOU do with your 86,400 seconds?

Those seconds are worth so much more than the same amount in dollars.
Think about it and remember to enjoy every second of your life, because
time races by so much quicker than you think.

So take care of yourself, be Happy, love deeply and enjoy life!

Here’s wishing you a wonderful and beautiful day…
Start spending….

“DON’T COMPLAIN ABOUT GROWING OLD!”

SOME PEOPLE DON’T GET THE PRIVILEGE!

 

Every Day is a Gift

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SIC beaches

I walked onto the beach the other day

After setting up my chair

I went over to one of the guys

I have met on the beach

Over the past couple of years

 

It was the 1st time I have seen him

On the beach this year

 

I said…

It’s good to see you again

Are you ready for

Another great summer…

 

At that point

I felt a little embarrassed

I stopped and said…

 

I’m sorry…

But I forget your first name

I’m George Hutch

 

He just chuckled and said…

 

Just call me JC

That’s always easy to remember

 

We got into some small talk

And then he started talking about the beach…

 

The beach is already getting a little crowded…

I can’t believe it…

People are just plopping down

Sitting on top of each other…

 

Look at all the beach over there

 

And those people going into the water…

The life guards are 2 blocks away…

 

What are they thinking…

They are putting other people at risk…

 

I casually said…

I think you will like the book I just wrote…

 

You wrote a book…

What’s the title…

 

Beach Etiquette…

 

He turns to his wife…

 

Hey KC…

Come over here

 

Remember that book you just bought me…

 

Beach Etiquette

 

Here’s the guy who wrote it

 

I love that book

I was always thinking I should write a book about

Beach Etiquette

 

You did a good job

 

I was sitting drinking my coffee the other day

And I read a couple of chapters…

 

I found myself laughing

It’s pretty funny…

 

I love the art work

 

Wow…

How about that…

 

It is a small world after all…

 

In case you are interested

Check out our website…

 

https://beachetiquettebook.com/

 

Several people have told me

They bought a copy

And after reading it…

 

They went back and bought more copies

To give to their friends

 

I’ll take that as a compliment

 

I am glad people are enjoying the book

 

If you would like a few laughs

I invite you to read the book

Leave a review on Amazon…

 

The buzz is out there…

This is a grassroots campaign

 

We need your help to keep it going

 

We can all brush up on our Beach Etiquette

My First Read

June 18, 2018

This week I was asked by my grandson G V
To read Beach Etiquette to his first-grade class

Being my first reading…
I wasn’t shore how I would approach it
But I felt safe since I was around children

Their expectations would not be too high

I started out by asking
How many schools days were left…

They all shouted…
8 more days….

I then asked what is everyone’s’ plans for the summer…
Is anyone going to the shore…
Their hands started going up
I went thru every student
Where are you going
What will you be doing

For those heading to the shore
I asked them what they liked about the shore

I love going crabbing
I like running into the water
I like jumping the waves
Boogieboarding

They went on and on for a few minutes
Then the teacher finally says…
Ok…
Why don’t we let Mr Hutchinson read his book…

They were all excited…
I read 3 chapters…

Chapter 5…The Passing Lane
About running on the beach

Chapter 6…Having a catch
Reliving the days of playing ball on the beach

Chapter 8…Shake…Shake…Shake
About the hazards of being down wind
Of someone shaking their blanket

The kids loved it…
I received a standing ovation
G V came running up and hugged me
A little girl came running up and said
I want to hug you too…

It was so cute and…
An experience I will treasure

This book is written for anyone
Who likes or enjoys a day on the beach

To feel the sun
Listen to the waves
A feeling of serenity comes over you

I have many memories of
Growing up at the beach

I often stand there
I look around
I take a deep breath and
I am transported to a different time

I can still see people I was growing up with
We were hanging on the beach
Laughing… joking… doing silly stuff
Grabbing our surf boards and darting into the ocean
Playing run the bases or tackle football on the beach

Where did the time go…
I don’t know…
But the memories live on within me

No matter what beach you go to
With a little Beach Etiquette
We will preserve its beauty and pay it forward

Check out our new website…
We have been getting a lot of great reviews
On our new coffee table book

If you are looking for a fun read
Or a great gift for a friend

Click on the links below to order your copy or read our reviews
We would like to add your name to our growing list of reviews

https://beachetiquettebook.com/

Thank you for the kind words

Every Day is a Gift

Have you noticed the difference…
There’s a little more spring in your step

People are smiling again

They have shed their heavy coats
No more scarves and sweaters

The sun is shining
Temperatures have shot up to the 70s and 8os

Even hit 90 last week

The trees are blooming
Flowers are popping up out of the ground
Spring is finally here

After a long cold winter
Of running from house to car
People are out walking around

You are finally getting a chance
To meet the new neighbor
Who moved in down the street
During the winter

Wow…They seem like nice people

Enjoy these next few weeks of…

Open windows…

Sunshine and…

Fresh Air

Only 14 days till Memorial Day Weekend

But who’s counting

a little spring

Did I Sign That

April 19, 2018

did i sign that

When I first meet people

They always ask…

So… what do you do…

 

We save companies money…

 

That normally gets a pretty positive response…

People like to save money…

 

Time for a quickie quiz…

 

How many of you have signed a contract…

Thought you got a good deal

And never looked at the paperwork again

 

Can I see a show of hands…

 

You…

Yea…. you over there

Is your hand up…

It looks like you wanted to put your hand up

 

Come on…

Admit it….we all have done it…

 

I believe that all of us are well intention-ed…

 

But… we just get busy

We are always putting out fires

 

The first thing we do with any new client

Is validate what are you currently paying

 

Are you paying the exact rate you actually signed for…

 

Believe it or not…

This is not always the case

 

I have clients tell me….

Yea… we signed a contract and they told me..

I was well below market prices

 

I am glad to hear that…

I hope you did get a great deal

But…

 

Do you mind if I see the contract…

And could we get a copy of your latest bill…

 

I can’t tell you how many times

We find that the client is being charged

More than what they had signed for

 

Note: there are times

That the state may approve an additional charge

Due to infrastructure upgrades

But this additional charge

Should be clearly noted on your bill

 

We always direct the client

To call the provider

And clarify…

Why are we paying this higher rate…

Our contract states we should be paying…

 

Guess what the response normally is…

 

Oh, we’re sorry

That was billed improperly

Let us correct that…

 

We can give you a credit

Or send you a refund

 

Our clients have received refunds for thousands of $$$

 

This is your money…

 

Don’t be afraid to ask for it back…

 

Always know what you are paying…

 

And if you are not sure

 

Give us a call

 

HBS leaves no stone unturned

In our search for savings

 

We find ways to save you money

 

 

Every Day is a Gift…

 

Thanks for the referrals

It’s a Miracle

March 23, 2018

Sometime last August

I noticed a small lump on my face

It was on my left chin

Right below my left lower lip

 

I thought

It is probably an ingrown hair

I’ll keep an eye on it

 

By the end of September

I noticed it was getting bigger

I went to the doctor for my annual physical

I asked…

What is this little lump on my face

 

Oh…It looks like a cyst

No one knows why you get them

It could get bigger

It could get smaller

Or just go away

 

I wouldn’t worry about it

Most doctors don’t like to cut in that area

For there are a lot of nerves in that area of the face

 

So…I went home thinking

Maybe this will just go away

 

Another month passed

I noticed it was getting bigger

 

Hmmmm…

I should probably get a 2nd opinion

 

Hey hon…

Do you know a Dermatologist I can call…

 

Just google Dermatologists in the area

See if you recognize any names

 

I see a name I know

I call their office

 

I’m sorry….

The Doctor is not taking any new patients

 

Can you at least give me a referral…

Do you have any names I can call…

I’m running blind here…

 

I can give you a couple of numbers

Try these…

 

Kathy….my associate says…

We went to a dermatologist in Voorhees

We liked him

You might want to give him a call

 

Sounds good…

Give me the number

I called and got an appointment

 

It’s just a cyst

It could get bigger

It could get smaller

It may just go away

 

If I were you…

I would probably cut it out

You don’t want it getting infected

That will hurt

 

I would need to make a small incision

It will take about 15 minutes

You will need about 3-4 stitches

See the receptionist out front

I can do it on Tuesday

 

Do I really want this cut out…

Stitches…

Let me get one more opinion

 

I call another doctor…

It’s just a cyst

It could get bigger

It could get smaller

It may just go away

 

Is it bothering you…

If not…

I would not do anything

 

If it starts bothering you

Call me and we can cut it out

 

I would have to cut from here to here

And you would need about 6 stitches

You’ll have a small scar on your face

You’ll look tougher

Like you got cut in a fight

 

Do I really want this cut out…

Stitches…

 

I think I like when he said…

 

I would not do anything

 

Another 2 months pass

It looks like it is getting bigger

But sometimes it looks like it is getting smaller

 

All of a sudden…

My lower left lip is getting numb

I am having trouble opening my mouth

My left chin is getting warm

The bump is getting red…

 

The cyst is infected…

 

I start making phone calls…

The doctor can see you in 2 weeks

 

You don’t understand

It’s infected

I need to see someone now

Not 2 weeks

 

I’m thinking…

My friend is a plastic surgeon

If anybody is going to cut my face

I might as well go to the best

 

I call John’s office…

 

I’m sorry

He’s in a consultation

Can he call you when he is done…

 

He gets right back to me

 

I am going to call in an antibiotic

Stop and see me Friday

 

I walk into his office on Friday

 

Ohhhh…That looks pretty bad…

You still taking the antibiotic…

 

I don’t think I want to do anything today

I’ll just clean it up

And get all the infection out

 

He gives me a local

And starts working on the infected area

Everything is oozing out

 

He explains…

You have body oils under your skin

Sometimes they come together and crystalize

Then they grow a small skin around it

Like a lima bean

To protect it

That’s what a cyst is

 

I can see the top of the cyst

I think I can get this…

 

You feeling alright…

 

Just like pulling a tooth

He goes in and…

 

POP….

 

Wow… look at this thing

That’s been in there for awhile

 

I think we got everything

Just keep Neosporin and a band aid on it

 

What….No Stitches…

 

No… I think it is going to heal fine

Come see me next Friday

 

It’s a Miracle

 

No stitches

No cyst

And…

1 week later

There is little evidence

That anything was ever done

 

Thanks John…

Your hands have been blessed by God

 

 

Every Day is a Gift

 

We find ways to save you money…

Thanks for the referrals

 

 

 

Thank

Ode To March

March 16, 2018

Okayyy….

I’ve had enough of this winter weather…

I'm done with winter

After teasing us with some above average temperatures

During the end of February

 

March came in roaring like a lion

 

Below average temperatures

2 Nor’easters last week

1 Nor’easter just missed us this week

And slammed the New England states

Flooding rains

Whipping winds

7 inches of wet snow

 

(The trees didn’t stand a chance)

Branches and trees were falling all over the place

 

We even had thunder snow…

 

I just heard they are tracking another Nor’easter

Heading towards us next week

 

Tell me when we can start having fun again…

 

The snow was so wet and heavy last week

I walked out my back door and…

You could hear the trees cracking

 

I said a quick prayer….

 

Please God…

No surprises

 

I called my wife and told her

You better start heading home

And please

Do not pull your car all the way up

To the top of the driveway

Park down by the end of the driveway

Next to my car

 

Good thing she listened…

I walked out later

And a big branch had fallen

Right in the driveway

Where she normally parks

 

The guy down the street was not so lucky

As I drove to work the next day

I saw a large limb had fallen

Right on the front hood of his car

 

Ouch….

 

Living in New Jersey

We are used to the cold winters

 

When I say cold winters…

I’m thinking December, January…February

 

By March…

We’re tired of all this stuff

 

After all…

 

We sprang forward last Saturday night

 

The 1st day of spring is next week…March 20th

 

Even Easter is early this year…April 1

 

 

So how about some warm weather

 

P…L…E…A…S…E…

 

Let’s see March go out like a lamb

 

 

Every Day is a Gift

We find ways to save you money…

Thank you for your referrals

Back to Reality

February 16, 2018

What a whirlwind
The last week and a half has been…

For all you lifelong Philly fans…
The Eagles finally hit pay dirt

What a game….
It looked like a shoot out

Tom Brady played one of his best games ever
And lost….

Nick Foles was in a zone….

Rather than succumbing to pressure of the moment
Foles took it to a whole new level….
And brought the Super Bowl Trophy
To Philadelphia

My wife and I ran out to Dicks right after the game
And bought shirts for our kids and grand kids

It looked like they were giving away free money…
Hundreds of people making their way
Thru a maze
To the table in the center of Dicks
That held all the shirts

Shirts were flying in every direction

Excuse me…
Where does it say what size this is….
I don’t need that size
Where’s the women’s medium
Are the men’s large over there….
Do you see any youth small anywhere…
We need 3 of them

Now that we have the shirts….
It is hurry up and wait….

Oh….We have to pay for all this fun

$400 later….
We didn’t get home until right before midnight…

Then I said to myself…
It is way past my bedtime…
I should probably go to bed…

Go to Bed….
How could I just go to sleep…
The Eagles won the Super Bowl
And there is going to be a big parade

Anybody else have that problem….
Going to sleep that night…
I was wide awake till about 2:30…

I got a text after the game…

Coming up for the parade
Do you have an extra bed…

Flem was flying in from Florida
This is going to be fun…

The parade went off without a hitch
We took the Speedline over
And watched the parade at 15th and Market
Right by City Hall
Brent hooked us up….

The crowd loved it…
The players loved it…
The police loved it…
We all loved it…
It was a Philadelphia lovefest

People could not stop smiling
And yes…
There were a lot of Eagle chants and singing……

Fly Eagles fly…
Thousands of people singing at once

E A G L E S…..

You could feel the energy all around you

So now what…
It’s……Back to Reality…

Sports radio is a buzz…
Will the Eagles repeat…
What do we do with Foles…
Hour by hour they go on…

We will be hearing the same conversation
For the next couple of months

Hey…
Did you know the Phillies Pitchers and Catchers
Started practicing Feb 14th…

Valentine’s Day

Is this the sign for another lovefest…

The full team starts practicing Feb 19th

It’s Phillies Spring training…

That should help fill the time

 

 

Every Day is a Gift

Thank you for your referrals

Where to Look

January 26, 2018

It is always nice to hear good things about our company

 

When I was on the other side of the table

Looking to make a major purchase or an upgrade

I always made it a point

To get as much information as possible

 

I was looking to see

Who would be the most qualified

To implement the program or vision

We looked to achieve

 

I never liked long winded explanations

Just give me the facts

 

When giving the presentation

Give an apple to apples comparison

 

That is the only way you can make an objective decision

 

If a presentation leads to more questions than answers

I found that disheartening

 

Why am I babbling about this…

 

Recently…I was delighted

When a client complimented HBS

On the completeness of our presentation

 

They went on to say…..

We interviewed another broker…

 Their presentation was confusing….

 Leaving more questions than answers….

 

They felt our proposal was self-explanatory

It provided all the information they needed to know

They liked our attention to detail

 

Our proposal also noted

What items were under contract

And their expiration dates

 

Our goal has always been…

Define the client’s needs…

Properly address the client’s needs…

Show value with our solution….

Build a relationship of trust with the client….

Continually educate our clients

 

Everything we do

Is done with the client’s best interest in mind

 

HBS has provided substantial savings

To many of the Delaware Valley’s

Most successful firms

 

Many were surprised to find savings from 20% up to 40% and more

 

Deregulated Energy…Communication…Unemployment Taxes…Sales Tax…Property Tax

 

How do we do it…

We know where to look

BICO

January 15, 2018

Baby it’s cold outside…(BICO)

 

It all started last week

Weather forecasters were calling for a…

Bomb Cyclone

 

That’s a new name….

 

Who do they pay to come up with this stuff…

 

El Nino, La Nina, Polar Vortex and…

Last summer they came out with Dew Points

Now it’s a Bomb Cyclone

 

An artic blast dipped into the south and came up the coast

 

It was snowing in Jacksonville and Tallahassee

It snowed in Savannah and Charleston

The storm was 800 miles out at sea

Yet it dumped from 12 – 18 inches along the NJ coast line

While the Phila area got 4-6 inches

 

I was out shoveling in 2-inch intervals

 

Easier on the back…

 

Winds were howling at 30- 40 miles an hour almost all day

 

Then….

 

The Bomb Cyclone was officially listed as a blizzard…

 

The National Weather Bureau defines a blizzard as a storm

which contains large amounts of snow OR blowing snow,

with winds in excess of 35 mph and visibilities of less than 1/4 mile

for an extended period of time (at least 3 hours)

 

I will say it again….

 

BICO

 

I went on retreat last weekend

While there…

I decided to venture outside for a walk

 

On Saturday the temperature was 8 degrees

With feels like temperature of -4 below

 

On Sunday…

I woke up and it was 0 degrees

 

Yea…You got that right…

 

Zero (0)

The feels like temperature was again -4 below

 

The rooms were having problems

Keeping up with the frigid temperatures

So…. I just threw on an extra blanket

 

 

I drove home from work on Monday

The roads, sidewalks and my driveway were…

One big sheet of ice

 

It may look nice and shiny from a distance

But it was a real mess

 

 

After all this

My wife has just about had it with this cold snap

 

She walked into our office and said…

 

“It’s freezing out there

I can’t take this cold anymore

When can we go to Florida”…

 

She didn’t have to ask me twice…

I booked a flight that afternoon

 

We’ll just have to tough out the cold

Till mid-February

 

 

Every Day is a Gift

 

Thanks for the referrals