Garage sale adventures: The treadmill

Dave Farquhar Saving money , , , , , ,

Earlier this year my wife asked me to look for a treadmill. So I started keeping an eye out. A month or two ago I spotted one at an estate sale, but everything was wrong about that deal.

Today, I pulled the trigger.Unlike the last one, this one wasn’t a hulking beast of a machine, and it looked like it would come apart fairly willingly. At $45, the price was in the neighborhood of what we were willing to pay, and the owner was willing to let us test it out. I called my wife to ask her to come look at it.

She liked it. Then she tried it out and still liked it. I whipped out a couple of twenties and a five, and the previous owner’s husband and I set about disassembling it enough to fit in the back seat of a Honda Civic.

They had mentioned to another patron a willingness to come down to $35. I didn’t try to talk them down. Why? I knew I’d need his help getting it apart and getting it into the Civic. If I nickel and dimed them, he probably wouldn’t be nearly as willing to help me out.

It wasn’t a good fit. After some manhandling, we raised up the machine, rolled down the window, put a towel over the window, and I drove home with about three inches of treadmill sticking out the rear window.

I reassembled it right after lunch. I wanted to get it back together while the memory of disassembling it was still fresh, since some parts of it weren’t quite obvious, at least not to me.

Once I had it all together I cleaned it up. Sometimes a little dish detergent and an old rag is all it takes, but this one had some black marks that required Purple Power. The Purple Power did a nice job for me for the most part.

But there were a few black marks (probably from shoes) that the Purple Power didn’t do so well on. For those, I pulled out another trick. I rubbed metal polish on them. The polish actually removes a bit of the surface of the plastic, so it can affect the texture or sheen, but the slight difference in texture or sheen will almost definitely look better than the black marks would. I’ve used this trick numerous times to restore old plastic train cars, computer cases, and video game cases.

There are some scratches on the painted surface that would require some touch-up paint if I wanted it to look new, but at least I got it clean. A sunny day, a willingness to either take it apart or drag it outside, and a can of Krylon primer and gloss white paint is all it would take to get the metal parts looking new again. It might be a while before we get that sunny day.

Now we have a machine that should last several years and that I know how to take apart if and when the motor dies. If that happens, a new set of brushes should be all it will take to get it going again. It may be time consuming but the parts will cost less than $5. A new one would probably cost $200 or $250, so I think we got a pretty good deal. And while it doesn’t look completely new, I think it certainly looks presentable now.

How I fought the insurance company and lived to tell about it

Dave Farquhar Health , , , ,

My dad was a doctor. Dad told me on several occasions that if I ever came home and said I wanted to follow in his footsteps and become a doctor too, he’d lock me in my room for seven years. One of the reasons for this was because he hated dealing with insurance companies. I vividly remember going out to the mailbox one day and finding a letter addressed to Dr. Farquhar, with a very angry note written on the front of the envelope: PLS LET THE DR READ THE LTR. I asked what this was about, and Dad said insurance was refusing to pay for a patient’s treatment. He said it happened a lot.

Now I’m 33, and my insurance was refusing to pay for treatment my wife needed. The best-case scenario without her medication would have involved numerous hospitalizations. The worst-case scenario? Coma or stroke if a lot of things went wrong. If everything went wrong, death wasn’t out of the question.

Here’s what I did about it.This isn’t exactly how I wanted to tell everyone, but my wife is pregnant. She’s also diabetic, and diabetes and pregnancy aren’t exactly the best combination. It wasn’t long before she was complaining about nausea. That wasn’t anything new; she can get bad nausea at times even when not pregnant. We try to keep a decent supply of Emetrol (or a generic version) on hand because of it. But we didn’t know if it was safe for her to take that while pregnant, so I suggested she ask her doctor. The doctor put her on a generic version of Zofran, a powerful anti-nausea drug.

The difference was like night and day. Without the drug, she couldn’t be up and around for more than 3-4 hours at a time. With the drug, she could function almost normally.

But after a month, the party was over. The insurance company refused to pay for the drug any longer. The doctor protested, but to no avail. So the doctor prescribed alternative anti-nausea drugs.

None of them worked.

She started a rapid decline. Within days, she couldn’t keep food down. Four days after that, she couldn’t even keep water down. She went to the doctor, and her doctor sent her straight to the hospital where she was admitted and treated for dehydration and severe morning sickness (I don’t remember the medical term). They kept her in the hospital overnight.

When her doctor visited, I asked him what to do. He said insurance companies do this all the time.

"Let me get this straight. This guy with no education, who’s never seen her, knows better than you do what’s best for my wife?" I asked.

He said he sees this every day, and he’s sick of it.

"So do I need to look into getting a lawyer and suing this company for malpractice?" I asked. After all, there was at least one time when Dad said a patient needed one treatment, and a different doctor decided to do a different treatment and the patient died. The patient’s family, based on what Dad said, sued the other doctor for malpractice. If a doctor can be sued for practicing medicine badly, why can’t an insurance company be sued when it practices medicine badly?

He said if I did that I’d probably end up on CNN and he’d love to see the public pay that kind of attention to the insurance industry, but it wouldn’t help my wife any.

So I asked about buying the drug outright, without insurance. It was going to cost more than $400 a month. That’s outside of most budgets. I probably could have made it work, by making some cutbacks on food purchases, taking on some extra work, and if all else failed, borrowing some money, but it shouldn’t be necessary. This is why we get insurance in the first place–to cover these kinds of expenses.

So I looked into what it would cost to import the drug from Canada. The best price I found was $330–not much help.

I called my boss and told him what was going on, originally for no reason other than to provide justification for why I wouldn’t be at work the next day. But the more I told him, the more apparent it became that the situation offended him too–and not just because I was missing work over it. And that gave me an idea.

If the situation offended him, then it probably would offend the decision-makers at the company too. I decided I needed to talk to my boss and ask if I would be going over his head by talking to the higher-ups about the situation.

He gave me the OK, so I wrote a letter to my employer’s upper management. It wasn’t very long. In point by point fashion, I described my wife’s medical needs, what the doctor had done about it, what happened after the insurance company stopped paying for the drug, and what risks were involved with my wife not getting the treatment that she needed. I spelled it all out in lay terms. I also tried to be very matter-of-fact about it. They didn’t need my opinions on the matter–the facts spoke for themselves. Nobody would want their wife or daughter to have to go through what my wife was going through. And that was what I was counting on.

My letter climbed up the corporate ladder and over to HR very quickly. Not long after that, the HR director had the insurance company’s representative on the phone. Before the day was over, my wife had her medicine, and by the next day, she had a case manager assigned to her.

I believe this is the only approach that would have worked, and this is why:

1. I have an acquaintance who once worked for an insurance company, in the IT shop. He told me the majority of insurance adjustors who make decisions about what the insurance company will and won’t pay for are frustrated people with minimal education (sometimes just a GED) and they get their jollies by overruling doctors. It’s a power trip, and it’s what gives their lives meaning. Calling up the 800 number on the back of the card and complaining doesn’t do any good because it just proves to them how much power they hold. And calling the number and treating whoever answers the phone to a profanity-laced tirade (or even just asking the person where he or she went to med school) really drives home how much power they hold.

2. I’m just one customer and I have no control. The insurance company doesn’t care if I leave, because all they lose is a bad customer. Remember, customers who pay into the system and don’t take anything back out cause profits to rise. Customers who take money out of the system cause profits to fall. And besides that, I have no say in where my company buys its insurance anyway. The only way for me to change insurance providers is to change jobs, and that’s not only impracticel, it’s also very difficult.

What I had to do was to take my case to the people who do make that decision, and appeal to them. Working from the assumption that none of them would want the same thing to happen to their wives and daughters, I just presented the facts and let them come to the conclusion that the insurance company would do the same thing to anyone else in that situation too–including them. After all, they’re covered under the same plan I am. And of course they wouldn’t want that. What I basically did was raise the stakes. The insurance company wouldn’t be sorry to see me go, but what insurance company wants to risk losing a whole company’s business?

3. I kept my cool. By my own admission, to call me a loose cannon is an understatement. If I don’t like something, everyone around me knows it. But I wasn’t going to make any friends by saying "You guys are idiots for choosing to buy insurance from [company x] because they’re trying to kill my wife and unborn child." My emotions and opinions were more likely to make them get mad at me, and I needed them to be mad at the insurance company, not me. So I trusted them to be reasonable, rational people and come to the same conclusion I would when presented with the same seven basic facts.

So that’s how I got an insurance company to let my wife have a drug they decided they didn’t want to pay for.

Beware of scammers on Craigslist

Dave Farquhar net.culture

In honor of the three-day weekend being over, here’s some of the negativity I promised last week.

I’ve been on a buying spree lately. I’ve been using Craigslist a lot. But I had one recent experience that was extremely bitter.I bought some Playstation games on Craigslist recently. The price was good and there were several titles I really wanted. The seller was way up in Brighton, Illinois. I didn’t know exactly where that was but I figured I could make the deal work.

It was all downhill from there.

First, the seller insisted I come to her. All the way to her. No meeting halfway or even on the edge of town. When I asked what a good time would be, she said 2 PM on Friday. That should have told me something right there. What kind of person assumes anyone else is free to drive halfway to Springfield in the middle of Friday afternoon?

I said no and suggested she come up with a time on Saturday or Sunday. Saturday at 1, she said. That cramped my style too (that’s estate sale time), but in my deal-lust I took leave of my senses and agreed.

So I drove to Brighton. Google was wrong–it’s more than an hour away from where I live. Making matters worse, I got lost when I got there. That’s not as bad as it sounds, though. I don’t think it’s possible to go more than two miles out of your way in Brighton.

But then when I finally found the road, I couldn’t find the house. I went to the end of the road. I would have called, but my cell phone lost its signal a good 10 miles south of there. For lack of anything other option, I started knocking on doors. There were only three houses on the street, so how far wrong could I be?

One of the people pointed across a grassy lot. That’s right. The road ends abruptly, there’s a long grassy stretch, and then the road picks back up again, and there’s one house on it.

I’ll never understand small towns.

So I got to the door and knocked. A rough-looking guy answered. "I’m Heather’s boyfriend," he said. "She asked me to do this deal." He was holding a plastic bag. He motioned toward the bag. "Thirty dollars."

Lesson #1: Never, ever, ever hand over cash without examining the merchandise first. I always check, but everyone I’ve bought something from on Craigslist up to this point has been very honest and their stuff has generally been exactly what I expected. Or better.

So Deal-Lust Dave handed over the cash without even thinking. I took the bag, he closed the door abruptly, and I turned and walked along the grassy road (bet you never thought you’d see that particular word pair) back to my car.

As I put the key in the ignition, a light bulb went off. I’d better check this stuff over before I drive an hour to get back home.

I opened the bag. Nothing was better than I expected, that was immediately obvious. I pulled out the three games that were the key to the deal and opened the cases. Two of them were multi-disc games, and both were missing disc 1.

At first I didn’t think anything of it. Probably one was still in the Playstation and the other was sitting on top of it. It happens sometimes.

I walked back along the grassy road, up the driveway, and to the front door. I knocked.

Nothing.

A couple of minutes later, I knocked again.

Nothing.

I knew they hadn’t gone anywhere because I’d been no further than 300 feet from the house since he closed the door. I was starting to get mad. This time I didn’t wait two minutes, and I didn’t exactly knock on the door gently, either.

The rough-looking guy answered the door with his equally rough-looking girlfriend in tow.

I held up the two game cases. "These two games are missing discs."

She got a defensive look on her face. "They didn’t come with them."

So much for it being an easy mistake to correct. So much for it being an honest mistake, for that matter.

"It would have been nice if you would have mentioned that earlier," I said. They gave me a how-dare-you look and started to close the door. "You ripped me off!" I managed to blurt out before the door closed.

So I’d wasted $30, two hours of my Saturday, and three or four gallons of gas. The two semi-literate, inbred rednecks got the better of me on that one.

I’ve done a couple of deals since then. They turned out fine. I guess those people had jobs, since they all suggested times well outside of working hours, and neither of them objected to me checking out the item thoroughly before handing over the cash.

Best. Documentary. Ever.

Dave Farquhar Society ,

Tomorrow is Labor Day. If you’re like me, that means you don’t have to work.

If you need a reminder of what you wouldn’t say you’ve been missing, Bob, then you need to watch Office Space.Haven’t seen it? Don’t rent it, buy it. The VHS will cost you about five bucks. The DVD costs about ten. Trust me, this is a movie you’ll watch over and over. I’m sure I’ve seen it more than 14 times and it never gets old.

Of course reality is usually more ridiculous than this movie. For example, I had to sign a document this week where I basically agreed not to rearrange the icons on my desktop without getting approval from upper management. I can’t do anything without prior approval unless it’s in some policies and procedures document. Of course if you could anticipate everything that could happen with computers and write policies and procedures that cover all of it, you wouldn’t need IT people. High-level executives, insurance representatives, semi-trained monkeys, or other unskilled labor could do the work.

There’s something in the film that’s always bothered me. Bill Lumbergh’s parking spot is second-closest to the building, next to the handicap spot. One place I worked, the executive spots were closest to the door. The handicapped and expectant mother spaces were second and third closest, respectively.

Why don’t you share your best Office Space-like story?

Robocopy categorized as social/dating?

Dave Farquhar Windows

So I got fed up with my network connections dropping 80% of the way through copying 25-megabyte files halfway across the world. I’ve been using Robocopy, but without any command line options, it just starts over again.

I did a little digging and found the /z switch, which is supposed to make it pick up where it left off. It introduces a little overhead, but I can live with that. It’s better than copying the files 1 1/2 times.

Finding out about it was the amusing part.After stumbling upon the /z switch, I punched that into Google to see what other people were saying about it. That’s where I learned about the increased overhead. Fine. But one of the links I clicked on was blocked by Smartfilter, which is the application my employer uses to keep us from spending all day watching Youtube.

Surprising? No. Smartfilter blocks lots of useful stuff that makes it a lot harder to do my job. But the category it put that page into was pretty amusing: Dating/Social.

I can just imagine that date now. Two people meet after work in a dimly-lit restaurant that will be out of business in 18 months. Instead of talking about music, or movies, the neighborhood, or the other things my wife and I talked about on our first date, they talk about Robocopy.

"Where have you been all my life? All I’ve ever looked for was a nice girl who knows what the /z switch in Robocopy does! I’ve never met a girl who knew what Robocopy was!"

Actually I might be able to think of one or two relationships that probably did go down something like that, now that I’ve mentioned it. I think that should scare me.

Dog stories

Dave Farquhar Personal

Since the next couple of things I post aren’t going to be terribly positive, I thought I’d share some dog stories.My mother in law was in town yesterday and today. My wife and I both got up before the crack of dawn for our weekly Saturday ritual–I spent a total of $4 at that 6 am sale, which was about $96 short of my goal. So while we were out keeping more money than we were spending, my mother in law was stuck with a black lab mix who’s too smart for her own good.

She knows the words "Come on, get in your crate." But with my mother in law, the dog played dumb. When she came after her, she ran away. So my mother in law had to catch the dog and drag her into her crate.

She and my wife were talking about it this afternoon. My wife said, "She knows what ‘Come on Angel, let’s go into the crate’ means." And the dog proved it, because she looked up with the oh-do-I-have-to? look.

Things got worse though. Not long after that, she said, "I think I’m going to go take a bath."

Angel doesn’t know the first 8 words in that sentence, but she knows what "bath" means. When she hears running water and she thinks it’s for her, she runs and hides. Not real well, mind you–she hides at the bottom of the three steps that lead up from the family room into the rest of the house, but it slowed us down for a few minutes the first time.

So I guess she had a better afternoon than she expected. No bath, and only about 30 minutes in the crate while we went to the hardware store to get some assorted nuts and bolts for some repairs I’ve been putting off.

Meet Robocopy

Dave Farquhar Windows , , , ,

If you remember the days of DOS, you know the difference between COPY and XCOPY. For those times when XCOPY won’t cut it, there’s ROBOCOPY, part of the Windows resource kit.If you just need to sync up two directories, Robocopy does it happily. Type ROBOCOPY source destination, and it will happily copy new and changed files over, while leaving identical files alone. This can save lots of time.

ROBOCOPY.DOC will give you lots of tips and ideas for using the program.

I have to do a lot of work over a WAN, and sometimes the network conditions are less than optimal, to put it politely. By that I mean sometimes I get nostalgic for the 9600 bps modem I had in high school, because it was faster and more reliable. Robocopy will detect errors and retry, which is a huge help in these conditions.

One thing I do frequently is copy single large files. The documentation file isn’t very clear on how you do this, and the syntax is tricky. Here’s how to copy a single file between two servers or directories:

ROBOCOPY source destination file(s)

Here’s a line I use a lot, to shoot out new virus definitions to my management servers:

ROBOCOPY . "\\servername\c$\program files\symantec\symantec antivirus" *.xdb

This is just a glorified copy command, but if any part of it fails, it will retry until it works.

In the past I’ve also used Robocopy to move file shares when upgrading file servers. I’ll create the share on the new server, copy everything over, and then, in off hours the night before the cutover date, use Robocopy to sync them up. Here’s an example:

robocopy \\oldserver\accounting \\newserver\accounting /MIR

Of course, since Windows has had DFS for 8 years now, you’re using DFS for everything now, right? Of course not. So for the times when you have to replace a fileserver and migrating to DFS isn’t an option for whatever reason, Robocopy is your fastest and easiest option for a cutover.

How to use your computer skills to earn some extra money

Dave Farquhar Windows , , , ,

If you’re in need of some extra money and you’re computer-savvy, the scumbags of the earth have a deal for you. You see, they load unwitting computer owners’ PCs up with loads of junk, and they can render a new, state of the art computer useless very quickly. That’s an opportunity for you to use your computer skills to earn some extra money.

If you can learn to clean up the mess, you can probably have as much after-hours work as you want.Assuming you’re pretty good at fixing your own computer (don’t go into business fixing computer problems if your computer runs like garbage), cleaning it up is pretty easy.

Keep copies of Ad-Aware, Spybot Search & Destory, Bazooka, and Avert Stinger handy on a CD or USB flash drive. Install the programs and then run them. I run Bazooka first and last because it’s fast and gives a good overview of the health of the system.

Run all of the antispyware programs and let them do their thing. Then run Stinger in case they aren’t keeping up with their virus definitions. Once you clean the system up, update the virus defs (install antivirus software if they don’t have any–AVG strikes a good balance between effectiveness and ease of use, and it’s free) and defragment the hard drive.

Most IT people I know charge about $50 for the service. Have the customer bring the PC to you since a good spyware scan takes several hours. Let Spybot scan overnight, then clean it, then led Ad-Aware run while you’re at work and let it clean.

Keep an extra monitor, keyboard and mouse around so you can just plug in your customer’s CPU and go.

If the computer is in such bad shape you don’t get a start menu, boot it in safe mode and clean from safe mode.

And there you go. An easy side business. Hopefully you’ll have a booming business so fewer people will call me.

Net neutrality has little to do with censorship but it\’s a good idea anyway

Dave Farquhar net.culture , , , , ,

Pearl Jam came out in favor of net neutrality after AT&T censored a broadcast a performance they did in Chicago last Sunday. I guess AT&T didn’t like Pearl Jam’s anti-Bush message.

I don’t know if Pearl Jam’s sudden embrace of net neutrality is out of ignorance, or if it’s retaliation. It doesn’t really matter because it should help bring some more awareness to the issue.Here’s the issue with net neutrality, in a nutshell. AT&T wants to charge companies like Amazon, eBay, and Google when people like you and me access their web pages. And if the companies don’t pay, AT&T will make the web sites slower. The idea is that if one company doesn’t pay the fees but a competitor does, AT&T customers will probably opt to use the faster services.

Proponents say AT&T built the infrastructure, so they have the right to charge whoever uses it.

There are two problems with that logic.

They’re already paying to use it.

When a company decides to go online, they buy an Internet connection. That connection might be owned by AT&T, or it might be owned by some other provider. It isn’t cheap. While a 1.5-megabit cable modem connection might cost a consumer $30, a commercial-grade 1.5-megabit T1 connection will cost more on the order of $500 a month. A company like Google needs a lot more than one of these connections. Google most likely is spending hundreds of thousands of dollars, if not millions, every month for the privilege of being on the Internet.

Without content, an Internet connection has no value.

AT&T knows nothing about how online services work, because they haven’t been in the business long. Twenty years ago, if you wanted to go online, you didn’t use the Internet unless you were a college student. You subscribed to a service like AOL or Compuserve or Prodigy, who sent you a disk and a local phone number that you called with your modem, and then when you wanted to go online, you connected to their service. It had e-mail and forums and downloads and news, kind of like the Internet does today, but it was smaller. You could interact with other subscribers but that was pretty much it. E-mail was limited, for the most part, to other members of the same service.

Compuserve was the biggest and most expensive service, but it survived because it had the most features. AOL and Prodigy survived because they were easy to use. GEnie, a competing service operated by General Electric, survived primarily because it was cheaper than the others. Each had a niche. In these cases, the company providing access also provided the content. It was a closed system.

The Internet is an open system. AT&T isn’t providing all of the content. AT&T is my Internet provider, and I never touch any of their content, except when my credit card expires and I get a new one and I have to go to att.com to update my account with the new expiration date for my automatic bill-pay.

If it weren’t for the companies like eBay and Amazon and Google, nobody would want an Internet connection in the first place, because without those providers, an Internet connection is pretty much useless. The only reason the Internet took off in the first place was because companies like AOL and CompuServe couldn’t offer services that were as good as what Google and Amazon and eBay.

That’s why AOL went from a blue-chip stock to a drag on Time-Warner’s share price in less than a decade.

People buy Internet connections so they can use Google and Amazon and eBay. Very few people care about the mostly sterile content AT&T puts on the Internet. I’m sure some people enjoy watching concerts in the AT&T blue room, but I’ve never heard of anyone watching anything there. But I hear every day about what someone bought or sold on eBay, or a story that showed up on Google News or CNN.com, or a book someone bought on Amazon.

And when they use e-mail, people increasingly are using e-mail from Google or Yahoo or Microsoft instead of the one from their Internet provider. That way they can read their mail anywhere, and they can keep their e-mail address even if they move or change Internet providers. So Internet providers aren’t even the primary source of the most basic services anymore.

If anything, AT&T should be paying the companies that produce the content. Not the other way around.

AT&T isn’t selling content. It’s selling a pipe that content travels to. Lest AT&T get a big head, all AT&T has to offer is plumbing.

So what does this have to do with censorship?

Net neutrality has very little to do with censorship. I suppose someone with contrarian views operating a blog on a shoestring who can’t afford to pay for both an Internet connection and the privilege of running in AT&T’s fast lane is a victim of a form of censorship. Or if Google doesn’t pay to be in the fast lane but Yahoo does, then in a way Google is being censored in favor of Yahoo.

But if AT&T chooses to drop the audio out of a Pearl Jam concert, net neutrality isn’t going to stop that. In that case, AT&T is the provider, not just the company providing the plumbing.

But net neutrality is a good thing because without it, what’s going to happen is higher prices for the things you buy on Amazon and eBay, and less content on news sites because the news providers can’t afford as many writers because now they’re having to pay AT&T and every other company that sells digital plumbing. You get less, so that Randall Stephenson gets a higher salary and a more attractive stock options.

Stephenson made $14.6 million last year, before he got promoted to CEO.

I don’t think you and I need to make any more sacrifices in order to give this fat cat a bigger raise.