Why You Should Avoid Home Warranty Choices – Consumer Reports #home #warranties, #consumer #affairs, #better #business #bureau, #extended #warranty #buying #guide, #implied #warranty #of #merchantability, #choice #home #warranty, #goodwill #programs, #home #& #garden, #money, #consumer #protection, #your #home


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Why you should avoid home warranty choices

It’s possible that you’ve bought your share of home warranties—service contracts that promise to cover appliances and other items that break down in your home. You probably should not have. A recent complaint consumer officials in New Jersery filed against Choice Home Warranty in Edison, N.J. illustrates why.

The state’s complaint says that far too often, warranty claims are denied because the company says the problem was pre-existing. Or, the claim is denied because the consumer can’t prove that a broken item was properly maintained. We’ve seen consumers raise these issues in the past in connection with home warranties and other types of service contracts.

In this particular case, New Jersey officials say that Choice Home Warranty repeatedly made it difficult if not impossible for consumers to realize the benefits of their so-called warranties, the New Jersey Division of Consumer Affairs said in a statement announcing the complaint. which was filed in state superior court in Middlesex County.

The state said the company, which sold coverage in at least 25 states, denied claims even when technicians said covered products had been property maintained or that a problem wasn’t pre-existing or caused by a lack of maintenance. For some claims, the state said, the company demanded that customers provide years of maintenance records.

While the coverage required the company to replace products that couldn’t be repaired, the state said the company offered consumers cash buyouts for hundreds of dollars less than it would cost to replace the item. And in some cases, local technicians dispatched to handle claims refused to respond, saying the company failed to pay them for their previous service.

In a statement, Choice Home Warranty said that it denies the allegations and will vigorously defend itself against them. The company also said it has paid tens of millions of dollars in claims for repairs and replacements and that the consumers who complained represent are small fraction of its customers.

Choice Home Warranty has an F rating from the Better Business Bureau because of 957 complaints, the time it took the company to resolve the issues, and the New Jersey complaint.

What to do

We recommend avoiding service contracts, even those provided by companies that have no record of engaging in such shenanigans. The reason is that coverage for contracts that cover homes and cars, for example, can cost hundreds of dollars.

We also believe that it makes much more sense to buy reliable products and maintain them as the manufacturer recommends. Do that, and there’s a good chance you won’t need to make any significant repairs before the product becomes obsolete. Put the money you otherwise would use to buy a service contract into a savings account or product repair-and-replacement fund.

If a product breaks after the express warranty expires, there are many other ways you may be able to obtain a free or low-cost repair. Many credit card issuers automatically extend the manufacturer’s warranty for an extra year or so for most products you buy using their card. Many companies also have goodwill programs and service campaigns that provide free or low-cost repairs or product replacement for items that fail in an unreasonably short time.

And under the so-called implied warranty of merchantability. which automatically accompanies many purchases under state laws, retailers and/or manufacturers may be legally required to address a product defect even if the express warranty has expired. Finally, manufacturers generally must initiate recalls and provide free repairs for safety-related defects.

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Florida Board of Nursing – Education and Training Programs – Licensing, Renewals & Information #florida #board #of #nursing, #florida, #board #of #nursing, #license, #licensing, #licensure, #renew, #renewal, #renewing, #applicant, #application #status, #apply #online, #renew #online, #requirements, #process, #fees, #continuing #education, #statutes, #laws, #rules, #codes, #certified #nursing #assistants, #cna, #licensed #practical #nurses, #lpn, #registered #nurses, #rn, #clinical #nurse #specialists, #cns, #advanced #registered #nurse #practitioners, #arnp, #training, #education #programs, #look #up, #verify, #complaints, #professionals, #consumer


The Florida Board of Nursing (Board) approves new pre-licensure nursing education programs that meet the application requirements specified in Section 464.019, Florida Statutes. This Section of Florida law also defines the Board s regulatory authority over established nursing education programs.

Nursing education programs in Florida that hold specialized nursing accreditation by the Accreditation Commission for Education in Nursing (ACEN) or by the Collegiate Commission on Nursing Education (CCNE) are not regulated by the Florida Board of Nursing. Consumers are advised that the Board is not authorized to conduct site visits, and oversight of approved nursing education program quality measures is limited by Florida law.

All concerns or complaints pertaining to approved nursing education programs in Florida should be directed to the Consumer Services Unit of the Department of Health s Division of Medical Quality Assurance.

Business Litigation Attorneys Jacksonville #business #litigation #attorneys, #florida #wage #disputes, #personal #injury, #consumer #law, #product #liability, #business #litigation, #jacksonville, #florida, #fl #


Business Litigation Attorneys Jacksonville FL

Murphy Anderson (904) 598-9282 www.murphyandersonlaw.com

Business Litigation I Securities Banking I Product Liability, Insurance Personal
Injury I Construction Litigation I Trust Estate Litigation

Murphy Anderson is a top rated trial, appellate, and arbitration law firm that combines big firm legal expertise and small firm customized service to our clients. The firm is AV Rated by Martindale Hubbell and one of the elite few selected annually by U.S. News – Best Lawyersin America and Best Law Firms in America . Our attorneys are consistently rated among the top lawyers in their field and have been recognized by Super Lawyers, Florida Trend’s Legal Elite, Jacksonville Magazine’s Top Lawyers . and American Registry of Lawyers Corporate Counsel’s Top Lawyers . Founding partners Niels P. Murphy and Geddes D. Anderson, Jr. are Board Certified lawyers and designated by The Florida Bar as Experts in Business Litigation and are both included in the prestigious Top 100 Lawyers in Florida by Super Lawyers.

Murphy Anderson handles a variety of complex business litigation matters including breach of contract, product liability, and professional liability claims. The firm handles securities litigation and arbitration, broker dealer and investment advisory regulatory and compliance investigations, banking, brokerage, UCC, trust and estate litigation, bankruptcy, appeals, insurance coverage litigation, government investigations, real estate, and construction litigation matters. The firm also has lawyers that handle complex personal injury cases, employment litigation, and white collar criminal defense cases.

Murphy Anderson is conveniently located in the historic San Marco area of Jacksonville at 1501 San Marco Boulevard, Jacksonville, Florida 32207.

Representing Fortune 500 to Small Businesses & Individuals

The attorneys at Murphy Anderson handle business litigation matters throughout Florida and Georgia and work on matters nationwide involving securities litigation and arbitration, broker dealer and investment advisory regulatory and compliance investigations, and mass tort claims. We are proven trial lawyers and skilled negotiators with access to the experts, resources, and staff necessary to handle legal matters of any size.

Our experienced team of litigation lawyers handles matters ranging from thousands of dollars to disputes in excess of one hundred million dollars. Current clients range from several Fortune 500 companies to small businesses and individuals.

Our Attorneys Find Solutions to Your Legal Problems

We pride ourselves on being the best law firm in Jacksonville and one of the preeminent securities litigation, broker dealer regulatory and product liability firms nationwide. Our attorneys think outside the box to find effective solutions to your legal problems. We also recognize that efficiency and advocacy are key elements to successful resolution in any legal matter, from complex commercial litigation to personal injury cases.

We strive to offer our clients the best service in every case, whether you need personal injury lawyers or business litigation attorneys. We provide clients constant access to our attorneys and staff, and we make it a priority to keep clients informed throughout the pendency of each matter we handle. Regardless of the challenges, our team of legal professionals stands ready to aggressively advocate for our clients. When you need the best lawyers in Jacksonville or a Jacksonville litigation attorney, contact Murphy Anderson.

Litigation Attorneys Jacksonville, FL | Murphy Anderson
(904) 598-9282 www.murphyandersonlaw.com

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TroubleShooters: Resolving Comcast customer billing issues #action #news #troubleshooters,comcast,comcast #customers,comcast #complaints,comcast #problems,comcast,consumer,action #news #troubleshooters


TroubleShooters: Resolving Comcast customer billing issues

Wednesday, May 06, 2015

The Action News Troubleshooters have gotten more complaints about Comcast than any other company. Now the cable giant claims to be re-inventing their customer experience – something many say is long overdue.

“I think they are horrible to their customers,” said Carol Lehman.

The Lehmans tell us that for five years, Comcast erroneously charged them for a cable box they’d actually turned in.

“I am not happy about it, that’s over $600,” said Lehman.

They say they have all their bills – five years’ worth to prove it.

“I’m upset because it is so much money,” said Lehman.

Tim Hershey in Sicklerville, New Jersey told me he, too, was erroneously charged for a cable box for the past 5 plus years.

But trying to get their money back from Comcast?

“Dealing with them is like banging your head against the wall – you get nowhere,” said John Lehman.
The Camerons tell the Troubleshooters that Comcast claimed they didn’t turn in their box either so they were erroneously charged for an extra month after they canceled their service.

“The problem is their customer service needs to be fixed – I mean there’s something radically wrong,” said Sienna Cameron.

The Camerons tell us they made phone call after phone call to Comcast.

“Over and over – every time I’d have to go through the whole thing,” said Ronald Cameron.

After the Action News Troubleshooters got involved, Hershey told me Comcast agreed to credit his account for the additional charges for the past five years.

The Lehmans got a voicemail from Comcast saying they would give them their $600 but only if they agreed not to talk about it.

The Camerons didn’t have that issue.

“Channel 6 came through and got our $200 back for us,” said Cameron.

Comcast says, “We have apologized to our customers and these issues have since been resolved to their satisfaction. This week, Comcast announced plans to significantly improve the customer experience, and those efforts will go a long way to prevent the experiences these customers went through last year.”

So what is Comcast promising? Among other things, in the future – digital receipts when customers turn in equipment.

And a new measure in place right now lets customers drop off their equipment at certain UPS stores. Comcast says – “Walk in, drop off, that’s it.”

But my advice? Ask for and keep your receipt.

Meantime, as part of its so-called “transformation,” again Comcast promises to create more than 5,500 customer service jobs over the next few years.

It also says it’ll create three new customer support centers in Albuquerque, Spokane, and Tuscon – and triple the size of its team that serves customers on social platforms like Twitter and Facebook.

For more information on Comcast’s upcoming changes:

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Micro-Target Your Audience with Opt-In Email Lists

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R Insolvency Trustees – Bankruptcy – Consumer Proposals #licensed #insolvency #trustee, #r #plan, #free #r #plan, #debt #relief, #consumer #proposal, #bankruptcy, #bankruptcy #and #insolvency #act


A.Farber & Partners Licensed Insolvency Trustee


The Licensed Insolvency Trustees at A. Farber can review your finances and prepare a consumer proposal to your creditors. A consumer proposal is an offer to settle your debt for less than the total amount owing. This process can result in as much as a 70% reduction in the amount you’ll need to pay back. More importantly, it also allows you to keep your assets such as your car, your house and much more. Read more about Consumer Proposals .


The debt consolidation process allows you to combine your debts into a loan with a lower interest rate. This process can save you money in interest charges, making debt repayment more feasible. However, debt consolidation only reduces your interest payments. The overall amount owing on the principal does not change. Read more about Debt Consolidation .


Credit counselling is a process designed to help you come up with a strategy for paying down your debt. Credit counselling can help you with budgeting and allow you to repay your debt more quickly, reducing interest charges. However, it does not reduce the overall amount owing. Still confused about which insolvency process is the best option for you? Contact us for a free financial evaluation. We can get you the help you need to clear up your debt once and for all.

Who we are

We helped over 50,000 Canadians to become Debt Free in our 36+ Years of Experiences At A.Farber, we specialize in debt relief programs. In a simple manner, we can explain to you the differences between Consumer Proposals, Bankruptcy and Debt Consolidation loans. These are some of the options available to you for debt management. Our Licensed Insolvency Trustee can help with debt relief ranging from credit card debt to tax debt.

– 50+ offices across Canada (there’s one near you!) – More than 36 years of insolvency experience – Convenient meeting times and hours (and all meetings are confidential) – FREE face-to-face consultation with a trained Debt Administrator or Trustee – A complete review of your financial situation – Reasonable solutions to your debt problems

Trust Integrity
For over 36 years Canadians have trusted us with resolving their debt problems. Our professional staff is licensed by the federal government to offer these services.

In our Canadian owned firm, the 40 licensed professionals have counseled over 50,000 Canadians and guided them to a satisfactory and predictable conclusion to their debt problems. Whether you are single married, separated or widowed we understand your special predicament and can offer a debt relief solution.

Alan Farber has assembled a dynamic group of people at A.Farber who deliver exceptional results. For 36 years we have lived with our clients through the emotional upheaval and stress of dealing with debt settlement problems. We are committed to excellence in servicing our clients. We are there to listen to you, to support you and help you rebuild your financial future.


A Consumer Proposal (applicable in Ontario and all other Canadian provinces) is a formal agreement between you and your creditors. It includes an offer to your creditors to settle your debt for an amount that is less than the total amount owing. A consumer proposal can result in as much as a 70% debt reduction. More importantly, it allows you to keep your assets, your car and your house. Read more about Consumer Proposals Benefits .


Bankruptcy is a legal process which provides a debtor, who is unable to meet his or her financial commitments to their unsecured creditors, with a process for eliminating his or her debts in an orderly manner. Read more about Bankruptcy Advantages .


The choice of which insolvency process to go with can be a difficult one. Check this page to learn more about the differences between consumer proposal and bankruptcy. Still confused which insolvency process is the best for you? Contact us for a free financial evaluation and we can get you the help you need to clear up that debt once and for all. Learn more about Consumer Proposal Vs Bankruptcy.

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Florida Civil Statute of Limitations Laws

You got rear-ended on the Turnpike a couple of months ago and your neck still doesn’t feel right. Or maybe it’s a year after the accident and you’re just now realizing that the repair shop didn’t fix your car right the first time around. Can you sue the other driver or the repair shop for damages? And, if so, is there a deadline for filing either lawsuit? Every state has their own laws limiting the amount of time between when an injury occurs and when you can file a civil suit. Here is a brief summary of civil statute of limitation laws in Florida .

Civil Statutes of Limitation

In every state, there are time limits for the filing of lawsuits and other civil actions called statutes of limitations. Florida’s civil statute of limitations laws are largely in line with those of other states. Depending on the type of case or procedure, Florida’s statutes of limitations range from two to four years. The point at which the clock starts ticking typically is the date of the incident or discovery of a wrong.

Statutes of Limitation in Florida

Injury to Person

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The 39th Annual Spring Atlanta Home Show – March 24-26, 2017 – Cobb Galleria Centre

The largest Home Show in Georgia! Hundreds of participating companies! For THREE days only March 24-26, the Cobb Galleria transforms into a one-stop-shop for all your home improvement needs! For 39 years the Spring Atlanta Home Show has been improving home lifestyles and adding value to your largest single investment, your home. We’re proud of our ability to produce a family friendly environment and welcome you to our home.

Experience exciting and interactive sessions that can inspire you in your yard, with your decor and save you a great deal of time and money on your next remodeling job. » Click here to read more.

This year’s grand prize is a 7 LED fixture outdoor lighting package provided by Outdoor Lighting Perspectives of Atlanta. No purchase necessary – read more for all the details. » Click here to read more.

Georgia Landscape presents the Red Hare Backyard Beer Garden! Come learn about landscape design, services and products ranging from grass to fire, flowers to water, patios to recreation areas. You can chat with area experts about local landscape and options for every type of backyard. This is an interactive, educational area designed to give you the information you need to turn your backyard into an outdoor living area to enjoy for years! If all that were not enough, for a $5 donation to Hope Atlanta – the programs of Travelers Aid you can taste your way through this feature. Marietta’s own Red Hare Brewing Company will have SIX of their handcrafted brews available for your approval! Cabot Creamery will also have a sampling of cheeses. So bring your friends, enjoy some great beer and help a worthy cause! » Click here to read more.

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Consumer guide to hospice – Washington Post #benefits #of #hospice #care

#hospice ratings



Consumer guide to hospice

By Dan Keating and Shelly Tan, Updated: Dec. 18, 2014

Hospices vary widely in ways that can affect patient care.

The Washington Post has gathered data largely from government sources on more than 3,000 hospices that participate in Medicare, which pays for the vast majority of hospice care in this country. No single factor can predict the quality of a hospice’s care, and these figures do not offer a complete picture of any single hospice. But consumers can benefit from knowing how a hospice compares to others on these important measures.

Select a state below to explore its hospices or read on to learn more about a hospice’s important traits.

How to use this guide:

In compiling the statistics for the guide, The Post sought expert opinion on what information, among that which could be gleaned from Medicare reports, would be useful for consumers.

The guide provides information about agencies around the country, including, among other things:

  • The hospice’s age
  • Its size
  • Its accreditation
  • What it spends on nursing per patient
  • Whether the operation is for-profit
  • Whether it has provided at least some patients with “crisis care,” meaning either continuous nursing care or general inpatient services.
  • What percentage of patients are discharged from the hospice before dying.

Here is some advice from experts about how to weigh all of this information.

Age and size: The experts generally favored hospices that are older and that serve more than a small number patients at a time. A hospice over say, 10 years old, has a track record as well as experience. Medium-sized and larger hospices may be better able to provide backup and more intense services, experts said.

Accreditation: To varying degrees, experts consulted by The Post favored hospices that have been accredited by outside groups. Hospices that have been accredited have opened themselves up to outside scrutiny. They also have faced inspections more often – once every three years.

Inspections: The guide shows how long a hospice has gone since the last government inspection. A long span since the last inspection doesn’t mean that the hospice has dodged the inspectors. The reason for long times between inspections is that the federal government, partly due to funding shortfalls, has had hospices inspected only once every six years or so. Recent legislation is supposed to make them more frequent, however. Finally, keep in mind that this data is current through 2013. If a hospice has had an inspection more recently, it may not show up here.

Live-discharge rate: This statistic shows how many people leave the hospice alive and several industry experts have suggested it is a good reflection of quality.

The reason live discharge rate is useful may seem a bit counter-intuitive. In some cases, of course, leaving hospice alive is a good thing – because it means survival. But experts say that a live discharge rate much over 25 percent might be viewed as a warning because it may mean that the hospice is discharging patients when they need more care or enrolling patients who aren’t near death.

Spending: The guide includes data on how much the hospice spends per patient on nurses, doctors and therapy.

Patients receiving home visit in last two days: For patients receiving routine hospice care at home, the hardest days for the patient and family are often the last days prior to death. This measures the proportion of those patients who received a skilled visit from a nurse or therapist in those last two days.

These numbers come directly from the reports that the hospices file with Medicare. The Medicare cost reports, however, are unaudited, and some experts expressed caution about relying too much on them.

Finally, the guide should probably just mark the beginning of the shopping process. Experts advised interviewing hospices about their services, too. A list of questions suggested by the American Hospice Foundation may be found here .

Patients whose pain or other symptoms have flared out of control are supposed to be able to get continuous nursing care at home or general inpatient care. But more than one-in-seven hospices have not provided patients with either of those services, according to records. A majority of hospices have provided the special care less than one percent of the time. But some hospices more regularly provide the crisis services.

Spending Per Day on Patient Care

Hospices report how much they spend on average per patient for each day of hospice care they provide. Some hospices report spending less than $100 per day, while others spend at least twice that much.

For more information on choosing a hospice, readers may check with this guide from the National Hospice and Palliative Care Organization.

The vast majority of the information presented is from Medicare cost reports and service provider listings, which are submitted to the government by the hospices themselves. Nevertheless, information is sometimes inaccurate. Some hospices affiliated with hospitals file different Medicare reports and are not included.

Contact Us

If your hospice is on the list and you’d like to supplement our data or if you’d like to share your experience with a hospice on this list, please get in touch using the form below:

* Please first indicate who you are