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

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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

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

Welcome 2018

January 5, 2018

 Who knows where the time goes…..

 

When we were younger and in school

We had units of measure we used to live by

There was always a holiday in waiting

It helped to pass the time

Knowing that the long Thanksgiving weekend was coming….

In less than a month….

We would be on Christmas break

 

Now…..

Every year seems to go a little faster

We have become…… beyond teens….

 

Time just seems to mesh

Just like that….

2017 is in the books

 

Will 2018 be different

That is up to us

 

I will be heading to Malvern this weekend

For our annual retreat

This will be 34 years

What a great way to start each year
Taking time to reflect on what happened in my life during the last year

Praying for the wisdom to guide me thru the next year

 

I will also be Praying……

That time slows down

Helping me to live more in the moment….

 

It is easy to get caught up in the day to day hustle…

Easily distracted….

Projecting thoughts…

Always looking forward…

Not paying attention to the now…

 

It is in the now……That peace is found

I pray to ground myself in the now

 

Welcome 2018

Merry Christmas

December 19, 2017

The spirit of Christmas is in the air

The kids are home from school

 

Families are making plans to get together

The excitement builds

As you are buying presents

Looking for that one special gift

That will bring a smile to their face

 

Love is in the air

 

No matter how your day is going

Many find…

They are lifted by the Christmas spirit

 

I was speaking with a client recently

And asked how they were doing….

They responded….

 

“Great…. I wish it was always December.”

 

Let’s make a special toast….

 

May your everyday be a December….

 

Let us take time

To celebrate and give thanks

To the many things

We take for granted

 

May we always remember…

 

Every Day is a Gift

 

Merry Christmas to All

Happy Dance

December 6, 2017

How was your Thanksgiving…

 

Long weekends are great

Though… they seem to be few and far between

 

Over the past 39 years

My wife and I have hosted

Thanksgiving Dinner

Christmas Brunch

Christmas Dinner

 

Just about every year

Except for maybe 4 or 5 times

 

Not that I am complaining

We love hosting

It is always about getting the family together

Which is increasingly difficult to do…

 

Everyone has their own schedules

And sometimes it can take several months

To get everyone synced up

Just to sit down and have a meal together

 

That is what makes the Holiday meals so special

Everyone tries to be there

 

This year my wife’s brother… Collin

Moved into a new townhouse

 

A couple of months ago he said

I think Lindsey and I would like

To host Thanksgiving dinner this year

 

I’m talking…

Music to my ears

 

Maybe it is time to pass the torch…

 

That would be great Col

Can’t wait to see the new townhouse

 

We walk into their townhouse

And the first thing I see

Is a new roasting pan…

With a turkey in it

 

Janet…

I think Collin and Lindsey are in this for the long haul…

They made an investment

Look at that roasting pan

 

Janet starts with the compliments…

 

Love this townhouse…

What a great kitchen…

This meal looks great…

I can’t wait to eat…

 

This food is delicious…

 

You guys are doing a great job

 

Are you guys interested in doing this again….

 

Lindsey smiles…

 

I’m glad you like it…

We should make this an annual tradition

 

Janet starts a happy dance across the floor

 

Collin says wait a minute…

 

Do I have any say in this…

 

No…

 

I don’t think so….

It looks like you bought a new roasting pan

I would hate to see it go to waste

 

Love this townhouse…

 

There’s a big hill in the back

The kids can have a great time

Running up and down that hill

 

Did I tell you we had a Great Thanksgiving…

 

Thanks Collin and Lindsey

 

I heard Elizabeth and Evan are planning to do Christmas

 

What time should we be there…

Get Your DNA Here

September 12, 2017

If you have been watching tv at night lately

 

You have probably seen the commercials…….

 

 

“I found out I was 20% Native American….

 

 

I thought I was Italian but I’m actually German”….

 

 

(I find myself saying……

 

Ya vol herr Kommandant….

 

For no apparent reason)…

 

 

That is for you Hogan Hero fans…

 

 

Contact Ancestry.com and get your DNA results today

 

 

I was thinking…

 

This might be a great gift for my wife’s birthday

 

So I contacted the company and ordered 2 DNA kits

 

 

Wellllllllllll……..

 

The results are in

 

 

When people ask

 

So what nationality are you….

 

 

I would normally say Irish and English

 

My mother was 100% Irish

 

My Pop….75% Irish and 25% English

 

 

My wife is 50% Italian from her father’s side

 

A mix of Irish and Scotch from her mother’s side

 

 

When the results came in

 

My wife was shown as…..

 

38% Italian

26% Irish

20% Great Britain

6% Western Europe

 

What happen to the Scotch…..

 

Is that filed under Great Britain….

 

 

My results came in a couple days later

 

I am……

 

Drum roll please…..

 

92% Irish

4% Italian / Greek

2% Western Europe

 

 

Not even a trace of English blood

 

Or as they say Great Britain….

 

 

Hey hun….I’m 4% Italian

 

 

You’re not Italian

 

 

It says here I am 4% Italian

 

That means I am only 34% less Italian than you

 

 

That got her blood pumpin….

 

 

You’re not Italian

 

You’re gonna deny me my 4%

 

 

Well….I have had a lot of fun knowing the results

 

 

I still can’t believe….No English

 

But 4% Italian….

 

 

Those Romans really gotta around

 

 

 

 

What does your DNA say….

 

 

It may makes for good conversation…

 

 

 

Treasure

September 12, 2017

Seems like only a few weeks ago

 

We were saying

 

Here comes summer

 

 

Where did it go…

 

 

I know I have been busy

 

But…..

 

Did I blink and miss it

 

 

 

There were a lot of great memories

 

Packed into a short period of time

 

Heck…

 

It seemed like we were just getting started and…

 

 

Poofffff….

 

It’s Labor Day

 

It’s…..Back to school

 

 

Fall football….soccer…field hockey

 

 

Don’t forget to do your Homework…

 

 

All eyes turn toward the Eagles

 

 

While the Phillies fade into the abyss

 

 

My Pop used to say

 

 

4th of July….Summer’s over

 

 

The older I get

 

The more I see

 

The wisdom in those words

 

 

Who knows where the time goes…

 

 

Just be sure to treasure the time…

 

We all have been given