Saturday, March 5, 2016

Wells Fargo Bank refuses to honor State Farm Insurance/US Bank Checks.

Recently I was in a traffic accident, I was driving up the 110 in Los Angeles and a drunk homeless woman was walking on the freeway. I didn't see her, the driver of the a black SUV did see her, and swerved to miss her, causing me to rear-end another the vehicle in the next lane.  My insurance company State Farm totaled my vehicle and we negotiated a fair market value price for the vehicle.

The insurance company after negotiating my payoff for several weeks finally sends a check. This should be it, right? Textbook insurance payoff of my car,  NOPE, this is where it gets surreal. Remember the check State Farm sent me, (you know the company in the commercials on TV), was drawn on a US Bank Check. I deposited the check into my account and was told by the teller the check would take a couple of days to clear, a week at the most. Also, one thing to remember I have no car and I'm stranded in CA borrowing cars to get around. So anxious to get home knowing the check should clear, I negotiate the purchase of another car. I went to the bank within the time frame for the check to clear, so I could wire the money to the sellers account.

The Manager, of the local WFB branch, Maria Cecilia T. Munoz notifies me the check has not cleared as of yet and it could take up to 2 weeks. We're 7 days later and the check is not clearing? Ms. Munoz with her assistant manager, Adam tells me that they have trouble with US Bank as "sometimes US Bank does not pay the checks and leaves us without the money". So never hearing of this before I call State Farm, and they tell me that the check has been paid, providing written proof. A State Farm representative goes so far as to call the bank manager to verify the check.  State Farm calls me and tells me all should be ok and to go back and talk to the manager at the bank. That would be Maria Cecilia T. Munoz a woman that cannot make a decision, and delights in saying nothing is her fault and blames everyone else around her if drama begins. Ms. Munoz is not taking the evidence of payment from State Farm and directs me to US Bank to see if there were any holdups in their chain of payment.

The US Bank Manager politely listens to my story and begins laughing, saying "that's not how it works, your bank is screwing with you". Not great news but, at least, someone made a diagnosis of the problem. With this information in hand, I go back to Wells Fargo Bank to discuss this with Manager Munoz was once again attempting resolution. This is frustrating, it's almost as bad as calling the VA, and they kill people. Ms. Munoz and her assistant tell me this is really not a corporate issue, this is more of a local branch issue and they may return the check NSF. Yes, you heard it, this little WFB branch located in Ralphs market, is going to BOUNCE the check that STATE FARM Insurance Company wrote through US Bank to me, the injured party.

My question, in this day of participation trophy's, total lack of common sense and outright stupidity how do these "managers" get hired? Obviously, these "managers" are hired by the personnel department who  must hire like-minded and inept people as well to fill their ranks? This personnel department must be supervised by some corporate executive that too, must be inept or the personnel department wouldn't hire people like this.

People are following Trump because we have been exploited by ridiculous rules all that take money out of our pockets in the way of lost time, stress, and inconvenience. There is a saying I like to use, "The people at the bottom of the success chain control your life". I can't get the money from this local bank manager, Maria Cecilia T. Munoz, which means I can buy the replacement car stranding me longer in CA. Additionally, I had a great deal on a replacement car, that has now been sold out from under me because my funds and now I mean all my funds are held because I gave them ostensibly a bad check.

It's difficult for me to believe Ms. Munoz and her assistant Adam that US Bank "does not pay their bills", checks coming from US Bank are NSF. If US Bank and State Farm were insolvent I think I would have heard about it through news sources, rather that some branch Manager and her assistant. What amazes me is that these two people do not provide solutions, do not provide any help, they just repeat the same line over and over again.

I've directed my COO to pull all accounts out of Wells Fargo Bank to be placed in a more stable financial institution. I'm continuing my quest to retrieve my money, and, of course, hired an attorney to assist me in this quest. Additionally, and for the rest of time, I will mention Maria Cecilia T. Munoz in every speech I give to insurance companies, government offices, and national business, on "the profile of employees that get you sued!

Friday, March 4, 2016

A Chapter about Dr. Allen S Miller, from "Reprogram Your Life"! by Sheila Callaham

If we did all the things we are capable of doing, 
we would literally astound ourselves.
~Thomas Edison, 1847 - 1931
American inventor and businessman

Your brain is like a computer. And, like any other computer, there are occasional glitches that throw it into a loop of negative thinking. When it comes to your life and moving in the direction you really want to go, a brain loop equates to faulty programming and jeopardizes your success. When that happens, you’ll hear yourself make statements like, “I’ll never be good enough,” “I don’t have what they’re looking for,” “People will laugh at me.” That’s fear taking over. 
By the same token, you can program your brain to help you get to where you want to go. To reclaim your confidence, you need to release the faulty programming and reprogram your thinking. As those negative thoughts start looping in your mind, you simply stop the program, hit delete, install an updated program to reflect what you want to think, and then hit restart. 

Allen’s Story: Mind Over Matter
Allen Miller came from a long line of strong incredibly tough and resilient men. His great-grandfather from the age of 14 years old, was a shotgun rider on the stagecoach between Sacramento and San Francisco. Another relative a distant uncle was the first Baptist minister in what was then Oklahoma Indian Territory. Allen’s great uncle was the Will Rodgers, the famous Cowboy Comedian. His father was with the Los Angeles Police Department and walked a beat in skid row. Not only did Allen grow up at a time when fear was perceived as a masculine weakness and boys were never allowed to show it, but he was also being groomed to become a fearless police officer. 
When Allen was eight years old, his grandfather taught him a valuable lesson about fear that he carries with him to this day: Fear is normal. Everyone feels fear so learn to use it as a tool.
“I remember the day my grandfather told me that,” Allen said in our interview. “It was so powerful that, even though I was only eight, it changed my entire dynamic of fear. I went from thinking I had to pretend like fear didn’t exist to using fear to help me get to where I wanted to go. Fear makes you a superhero, your stronger, your senses are heightened, and your focus is narrowed.
When Allen was nineteen, he was recruited into the Los Angeles Police Department. He also worked on the side as a Bodyguard for his dad’s security business. He started working for Dinah Shore, and It was when guarding jerry Garcia at a concert that he was stabbed and had his back broken. While that ended his stint with the LAPD and a bodyguard, it opened up new opportunities which Allen pursued fearlessly. He became a chiropractor and specialized in Sports and Industrial Medicine, and was selected as a Medical Director treating elite athletes competing on the International Track & Field Circuit in the US, Africa, and Europe and became the United States team doctor for the 1992 and again for the 1996 Olympic Games. During this time, Dr. Miller built his one California Chiropractic office into a national business of 40 offices that worked with Fortune 500 companies including Carnegie Mellon University, and the Department of Transportation. 
Clearly a business success, a hunting accident in 2005 almost ended Allen’s life. Allen attributes his ability to stay calm in the face of fear and program his thinking to saving his life.
“I lived in Montana at the time and had a lot of cattle. The bears and wolves had begun attacking and killing my small herd, so one morning and friend and I mounted our horses and road out about twelve miles to hunt them down,” Allen began. “My horse slipped on the rocks, rolling over and crushing both of my feet. My friend helped me back on my horse, but it was a long, painful ride home.”
Allen explained that the temperature had dropped from seventy to thirty degrees, and he didn’t have warm clothing for the slow ride back. Freezing, Allen explained that he survived by finding a landmark in front of him and focusing on getting to that point. Once there, he would look ahead, find a new landmark, and do it all over again. For three-and-a-half hours, that was Allen’s drill until he made it safely home.
Re-telling the story, Allen said it was reverse thinking. In other words, he started with the end point in mind and deconstructed the path — one landmark at a time. His ability to visualize the goal was so powerful that he was able to get there one step at a time. His ability to focus on the goal and remain optimistic instead of moving into a state of fear is what saved Allen's life. Later, it saved him from losing his feet to amputation.
Today Allen still feels pain from his injuries, but he continues to adapt and, because he focuses on the goal he doesn’t get hung up along the way. 
“Learning to successfully navigate & use fear, is an empowering tool that helps me navigate day-to-day life,” Allen said. “Instead of letting fear take over, I remember that fear is like my inner lawyer saying, ‘Wait a minute, that might not be a good idea,’ or like my mother saying, ‘No, you might get hurt if you do that.’ The flip side is I hear my ancestors saying “get out there, get going” conquering fear by doing it anyway!” Allen says “Most people succumb to fear, and this is where most people stop, this is where I start! I know I'm on the right track if I scared and paranoid.” “I just say yes and figure out the rest along the way”…This line of thinking is how NASA put the rover on Mars”.
How to Break the Fear Loop
Here are three powerful ways to reprogram your thinking and break a negative brain loop.
  1. Recognize and work through the glitch. When you catch yourself thinking negatively, stop yourself and acknowledge that your thinking does not serve you. Notice the limiting belief that holds you back. Acknowledge it. Then decide what you want to replace it with and rewrite your story. Visualize yourself living that story, achieving that goal. Visualization is one of the most powerful mind tools you have in your tool chest. When you visualize the outcome you desire — nailing the interview, an amazing first day at a new job — your brain experiences that moment just like it were real. Visualize it repeatedly and you’ve recorded repeated positive experiences in your mind. 
  2. Speak gently and lovingly to yourself. The single most important thing you can do to support your habit-breaking success: watch how you speak to yourself. Don’t reprimand yourself when you fall into a negative brain loop. That inner dialogue can destroy you or carry you through to the finish line. Instead of giving in to negative thinking, have a respectful inner dialogue reminding yourself that you can choose how you think and feel. Then choose a better feeling thought! 
  3. Celebrate the little victories. Whenever you shift yourself from negative to positive thoughts deserves celebration! It’s not easy to break bad habits. It takes a lot of focus and commitment, so don’t short change yourself. When you successfully push through resistance and put yourself bravely out into the world, acknowledge yourself! When you stop limiting yourself and set amazing goals that stretch you intellectually and mentally, that deserves a celebration. The more you celebrate, the happier you feel. The happier you feel, the more you want to have reasons to celebrate! See where I’m going with this?
  4. Be patient with yourself — life is a process! Once you know what you want accomplish, you’re usually in a big hurry to get to get there. Because there is a complex system of universal order, it takes time for all the cogs and wheels to get in the right position to deliver what you desire. Think of it as a period of gestation — a holding pattern until everything is in its rightful place! In the meantime, rejoice that you are in the process of creating positive change in your life.
  5. Positive affirmations are a great way to break negative loops. They help you look for the good in every circumstance. Think of an affirmation that inspires you and repeat it until you feel it. Affirmations work best when you use the present tense and speak them with as much meaning as you can muster. Here are a few examples to get you started:
  • I believe success will come at the perfect time.
  • I have the courage and faith in myself to achieve anything.
  • I have many friends and mentors who want to help me achieve my goals.
  • I listen to my inner wisdom and trust it’s words of encouragement.
  • There is nothing to fear but fear itself.
  • I choose my life. I choose my destiny. And it’s better than even I can imagine!

Hunting Down the Bears and Wolves

Chances are that you won’t have to make a long, painful journey in freezing weather on the back of a horse who just crushed your feet after chasing down the bears and wolves wrecking havoc in your life. So why not get real with yourself by answering a couple of questions.
What tremendous challenges are you faces right now that leaves you feeling like you will never reach the goal? What can you do to set milestones along the way to your goal? 
Your future is yours, all you have to do is visualize it ahead of you, and set landmarks along the way. Slowly but surely, you will notice that your nagging fears have subsided and you’re one step closer to the life you always desired!

Keyword to remember

Reprogram: If your thoughts don’t support the goal you envision for yourself, you can choose to dump the negative brain loop, and reprogram your thoughts. Pick positive affirmations to feel better about where you are and where you are going.

Wednesday, March 2, 2016

The backstory of Me & Kathy Ireland on MSNBC.

I had just survived a nasty divorce and came down to LA to help get her message of hope out to the world, through all the noise that was in her life. A friend had told me that there was a spot on The Big Idea With Donny Deutsch on MSNBC regarding branding. I called the producers, discussed how my story was relevant and was accepted to appear via satellite on the show. I had developed, marketed and built a workers compensation consultation company wrapped around one idea, branded, "The Industrial Athlete Program". It was a culmination of my work with International Olympic Teams, Pro Athletes, Corporate Safety and Injury Management Programs. Our clients included large trucking, manufacturing and warehouse companies internationally. My program and I were recruited by Carnegie Mellon University to work with their the self-driving truck program. There were military ramifications to my biomechanic work and that was implemented as well.  This company allowed me to retire in Bozeman MT, with a ranch, horses, tractors, and the best fishing anywhere.

Things went down hill when my wife and divorce came in 2005 with devastating results. In the divorce, my now ex-wife actually got custody of the brand I developed. Looking back, I now know how Ronda Rousey felt when she lost her famous fight to Holly Holm, I felt like my I lost my identity, that thing that makes you different than anybody else. 

It was a very devastating time, I'm not sure where I would have been without my girlfriend and the support she gave me. I was directed to the studio to tape the show on MSNBC really without any idea of what to expect. I was never told who the panel members would be, prior to the show and really how I would interact. Donny Deutch, opened the show and introduced me to the panel, just a great guy, made a few jokes, very pleasant and that helped me control the urge to vomit from fear.  One of the three panelists was Kathy Ireland, ex-supermodel and now the President of Kathy Ireland Worldwide a 2+ billion dollar company.  

The panelist was briefed on our individual stories and wasted no time in getting to the crux of the issues at hand. I'm retelling my story, and saying "my ex-wife stole my brand",  All I remember is Ms. Ireland knew immediately what I was trying to communicate, she understood the anguish of losing my brand and immediately reinforced that I was the brand, not the title. In that moment, I understood that this brilliant insightful business woman saw me. She was adamant in her advice and stated that she would like to continue the conversation following the show. I thought it was just a TV thing and dismissed it. Well no it wasn't, I got a call from the show producer setting up a time to talk to Kathy and her president Stephen Roseberry.  I got the call and I was immediately treated like a celebrity, this floored me. I wanted to say, hey, I’m the divorced guy that lost the brand, Hello! Anyway, they were treating me like a star which by the way, really pumps up the old ego. These are the most gracious and kind people that I have ever encountered. It is not every day you get to talk to a billionaire so one should listen and take notes, so I did. Ms. Ireland began by giving me her backstory about how she started her company and she emphasized the importance of a mission statement. She explained that this was the path to her success. Now I have built a successful practice and subsequent business which enabled me to work with sports teams all over the world, the ones my ex-wife now owned. When I started I just hit the ground running, I never really wrote down a mission statement and really didn't understand the importance, I kinda knew where I was going and did pretty well. But when a business woman of this statue gives you the most precious asset she has, her time, and spends it on this one lesson you listen. We spent approximately 60 precious minutes on the phone together, and it was the most uplifting and amazing experience of my life.

Following the call, I read my notes, contemplated the lessons that Ms. Ireland and Mr. Roseberry provided and I started to write my own mission statement. It was the hardest thing I have ever done! I had to examine my strengths, weakness, my path, goals, and most importantly what I would accept and more importantly decline. This was an important moment in the lessons they discussed with me, it's easy to say yes, it's excruciating to say no, especially when it brings in money. I took those lessons and developed Body Slimming Experts, a body contouring system with lifestyle and nutrition protocols spotlighting top doctors nationally. This grew rapidly, requiring the development of equipment because the machines on the market didn't "fit" in our mission statement of quality. We developed training protocols, everything to give the patient the quality experience demanding this same quality in our approved providers, again in our mission statement.  We grew rapidly and internationally to 60 offices and still growing. 

I've always stayed in touch with Ms. Ireland through Stephen Roseberry asking the occasional question or requesting advice always thankful for the kindness. Lady K, as I refer to her, changed my life and I am truly grateful every day for her intervention and help. 

We are several years later, and I recently received a call from a producer representing Kathy Ireland, Worldwide Business Modern Living, telling me they would like to spotlight Body Slimming Experts and me on a show she is doing for E and Bloomberg. So as a precursor to the show, I wanted to both thank Ms. Ireland for her the gracious, kind and life changing advice she gave me. So I in everything I do, parrot her advice and most importantly stick to the mission statement, it takes you where you want to go.