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Want to Contact the Editor? First read this
No Brain Transplant for Ariel Sharon
by Barry Chamish
January 12, 2014
No Brain Transplant for Ariel Sharon by Barry Chamish (Jan. 12, 2014)
As Ariel Sharon loses his battle for a brain transplant, writers of my acquaintance like Rachel Neuwirth, Susan Rosenbluth, Prof. Paul Eidelberg et al, are distributing a research piece more than hinting that Sharon was executed by fellow gangster, Pres. Shimon Peres.
Here is Neuwirth's assessment:
"The apparent reality is that Israel's government is a cesspool of corruption and treason. Its prime minister appears willing to place his people in mortal peril by destroying their national security, unity, and morale, for no better purpose than to confer financial benefits on his financial backers and political hangers-on," said Ms. Neuwirth.
I should be insulted for being ignored by this crowd. But they are clearly too high class to be associated with any "conspiracy writer." Well, here's what I wrote years before they issued their copycat murder plot...without any acknowledgement to me. Ingrates!
Just months after hoodlum Sharon threw thousands of Jews out of their homes in Gaza and Northern Samaria for bribes to build a casino, he was murdered, and I covered it.
So we will not be caught off guard as was the case in Yitzhak Rabin's murder, here is the background to Ariel Sharon's second stroke. Be prepared to think this time around:
The First Stroke
Dec. 19 Prime Minister Sharon shares drinks with Shimon Peres in the Knesset. Within half an hour, Sharon is driven to hospital unconscious. It took him a day before he could even spell his own name.
He was brought into the hospital by his bodyguard, Yoram Rubin. As a good chunk of Israel knows today, it was the Peres-Rubin team that murdered Yitzhak Rabin. When Rubin was shown on television news accompanying Sharon's stretcher, suspicions spread throughout the country.
For two days, Sharon remained in hospital where he underwent intensive tests. We may ask, how did they miss the blood clot that struck Sharon barely two weeks later?
The timing of Sharon's latest stroke is uncanny. It occurred one day after he was implicated in an enormous scandal. For those unaware of the background to the scandal, peruse the following:
Recently, police have revealed the possibility that Kern served as a front man for Martin Schlaff, a known friend of Sharon's and an Austrian-Jewish businessman heavily invested in Israel, and that he was the man who stood behind the 'loan' in order to receive favors from the prime minister in the form of reopening the casino he owns in Jericho.
POLICE : EVIDENCE Police Say There's Evidence Linking Sharon to $3 Million Bribe
CHANNEL TEN REPORTING The police say they know of evidence linking PM Ariel Sharon to the receipt of a $3 million bribe. So reported Channel Ten tonight, causing a storm of reaction and calls for Sharon to resign.
CYRIL KERN & MARTIN SLEEP The investigation of the money trail to Sharon has been underway for over three years, and in fact was first publicized before the last national election, in 2003. The case is known as the Cyril Kern affair, named for the South African friend of Sharon who served as a conduit for the money. The source of the cash, however, has long been suspected to be Austrian millionaire and Jericho casino owner Martin Schlaf. The police say the money was used partially to help Sharon pay back campaign contributions that he had received illegally in 1999, and partly for the Sharon family's private use.
SCHLAF'S PARENTS LIVING IN ISRAEL Because of the suspicions hanging over him, Schlaf has refrained from visiting Israel of late. His brother James, however, came for a visit two weeks ago - and the police jumped at the opportunity. They raided his parents' home in Israel, and confiscated documents and two laptop computers. However, the police were not permitted to extricate the information on the computers without James' permission - which he refused to give.
SCHLAF'S BROTHER JAMES : SUSPICIOUS BEHAVIOUR Schlaf's behavior aroused the suspicion of the police, which turned urgently to the courts and said that the computer files will show that the $3 million was in fact passed as a bribe to Ariel Sharon or his sons. The police therefore say that it is imperative for them to be allowed to enter the computers in order to extricate vital evidence in the Kern-Sharon affair.
END OF SHARON'S POLITICAL CAREER MK Roman Bronfman (Meretz): "If the police have evidence of Sharon's corruption, he must end his political career."
Dec. 21 - James Schlaff flies to Israel. He is immediately investigated by the police.
Jan. 3 - The police investigation is leaked to Channel 10 television reporter Baruch Kra.
Jan. 4 - Sharon is in the midst of a career-ending scandal until the late evening when
he is struck down by a life-threatening blood clot in his brain.
Tonight, in Vienna, some of the heroes of this affair, and of the next one, will meet at the huge bat-mitzvah celebration of Martin Schlaff's granddaughter. Dov Weisglass, Schlaff,s old friend and lawyer will be there. Haim Ramon, another close friend, will also attend. There will be many others. Some of them from amongst the political, social, and economic elite of Israel. Avigdor Lieberman, for example. No one is embarrassed by it. Some are even proud of it. In another time, another place, one could consider it collusion, coordinating testimonies. After all, Schlaff's name has recently been tied in to that other affair: 'the Cyril Kern affair'. Schlaff, in case you've forgotten, is one of the owners of the casino in Jericho.
A live Sharon will have to face prosecution for the Kern-Schlaff bribes, even in Israel's thoroughly corrupt legal system. A dead Sharon will not have to face prosecution. And that would be just fine for the creme de la creme of the country's political leadership.
The first impression is that Sharon survived the first attempt on his life. In reaction, James Schlaff immediately flew to Israel with evidence to bring the prime minister down in scandal. Somehow, the police were tipped off and immediately confiscated the evidence. Once the investigation was done, the results were leaked to the media. On the day of the second stroke, the scandal spread fast, threatening to engulf many of the country's political elite in deep corruption. By 11 PM, Sharon was bleeding heavily from the throat and his prognosis was a living or real death.
As it was the truth in '06, it's just as true today. The crook Ariel Sharon was assassinated by a gang run by today's Israeli President, Shimon Peres.
New. Hear me:
Look at my books on Sharon. Start with:
Bye Bye Gaza
Now I have a problem and hear me out. It's a beaut and I seek your help, not suggestions, help. Start with this letter to my landlord:
Finally I have an attorney on my side. His instructions are to pay my rent on time, just to prevent you from taking any action against me. BUT he insists that I have nothing to do with you. I can only inform you of two facts. By law, after my recent quintuple bypass plus valve replacement, I am disabled. Thus, I am protected from landlord abuse by the Americans With Disabilities Act. Read it well.
As almost an aside, I am also protected by the disabilities clause in your Fair Housing Act. If you ever read it, it was pointed out you did so selectively and wrongly.
I don't view you as stupid, just criminally negligent. Your "argument" that I'm merely sensitive to the "pitter-patter" of children's feet more than merely borders on idiotic. The neighbors you placed above me have no concept of neighborliness. They are hoodlums and you are supporting them against me.
I have reported my two seizures in two months to the proper authorities. Keep this in mind: If there is a fatal next seizure, you will be charged with Homicide Through Negligence.
I have been told not to even hint what steps have been taken this time around. If you don't take action on my behalf, you'll find out soon enough.
Barry Chamish
Dear sir or madam,
I am a disabled renter whose civil rights have been deeply compromised in the past two months. In the past two years I have undergone a quintuple bypass as well as a valve replacement. I am seriously disabled. Two months ago, my landlord moved in an incredibly misplaced and noisy family in the apartment above mine. I have suffered two seizures in two months and appeals to the landlord have brought nothing but irresponsible mockery. My legal guide assures me my disability assures me direct protection from the Americans With Disability Act, with further protection from the Fair Housing Act.
What I am receiving from my landlord is guaranteed to kill me. Please read the following explanation. It will fill in the blanks. Then do contact me:
I have been advised by an out-of-state attorney that I have a legal issue that is both logical and precedent-breaking. I ask you to decide.
What I need is a legal opinion which can make sense of what appears to be a minor lessor/lessee issue. In fact, under the surface, it is far more complicated than that. Allow me to summarize two basic points before I expand:
1) For the past eight years I have lived in a beach condo complex named Seaside Villas situated near the pier of St. Augustine. The complex consists of 2.5 room apartments which suits singles and doubles. Until October 2013 there were no families with young children who rented in the complex. Then, a new manager, Jan Spottswood, arrived, apparently without an understanding of the character of the complex under her care. She rented the apartment above me to a young couple with 2 active toddlers. I haven't had a moment of peace since then.
2) And peace means survival to me. In the past year and a half I have endured quintuple bypass surgery at Flagler Hospital. My recovery is endangered by my new neighbors. I have issued a complaint to the Florida Department Of Business And Professional Regulation. I was informed by them just yesterday that I can begin a legal procedure. I wrote:
Barry Chamish
42 Clipper Ct.
St. Augustine, FL 32080
To: Thomas O'Bryant Jr.
Director - Consumer Complaints Division
DBPR - Division Of Real Estate Orlando, FL
Nov. 4/13
I live in a beach condo called Seaside Villas, a division of Pacifica SD Management, and have done so happily for eight years. This all changed a month ago when a new manager, Jan Spottswood, rented the apartment above me to a family of four, including 2 toddlers. The complex is entirely unsuited to young families and, in fact, there are none living here. Since that day, my home has been overwhelmed with constant noise, not the least of which, comes from the endless trampling on my ceiling from toddlers, to me incredibly, being raised in a cramped two bedroom "suite." In short, I now live below a noisy slum which, at certain times, has the volume of a disco.
I appealed to these newcomers to, at least, keep one room, my workspace, free of the volume...to no avail. With consideration for me, I would have overcome the ghastly circus above me. But such courtesy was not accorded me and I endure an endless conflagration from 6:30 AM until the wee hours. I underwent a quintuple bypass at Flagler Hospital less than two years ago and cannot, literally, withstand the stress I must now put up with. A week after these neighbors moved on top of me, I suffered a seizure from stress so bad I couldn't even remember my own phone number.
So I sought informal legal aid. I was informed that my lease, and in fact Florida law, grants me freedom from noise violations. It was explained that these violations are not based solely on decibels but on continuity. I live in a continuous racket against the terms of my lease. Ms. Spottswood has responded by rejecting my numerous requests for her to come to my apartment to hear what I am forced to suffer.
My tenant's rights are being trampled upon after eight years of living peacefully with my upstairs neighbors. My health is deteriorating from the stress of uncontrolled neighbors, permitted by the management of Seaside Villas, to wreck my longstanding tranquility. I have been advised to place my rent in escrot until this matter is resolved and if my health suffers, to let my landlords know, they are in large part to blame.
The answer is, if a family of toddlers must live in an uncongenial apartment, it can only be on the first floor. I request that this matter be dealt with as quickly as possible.
In short, a family of really lowlife mexicans moved atop me, and now I'm retaliating with as much noise as I can give back. I received great legal advice from a famed lawyer, not licensed in Florida. Now if you can provide information based on their Utah car license Z79 5XZ, please do!
Film producer Steve Stavro sent me a few copies of his powerful 3 hour DVD on Vatican diplomacy, Clear And Present Evil, with me as a core interviewee. A few will get a signed copy for $40. if they write me quickly. Also, write me for my relevant DVD, The Vatican's New Crusade For Jerusalem.
My latest book is The Stinger Not The Stung:
And if you saw and liked then you can start with:
Bye Bye Gaza
Then work your way through the rest.
You might enjoy my exclusive e-mail list. I keep you informed of all hidden, obscure news for a minor cost. My readers swear by the service. Get on for a free month by writing me at: email@example.com After that...if you liked it...you pay a bit.
And if you believe, at long last, that I am the only writer telling close to the whole truth, it's time to say so with a contribution!
Barry Chamish
Saint Augustine, FL 32080
Paypal: email@example.com
My Rabin lecture in Hebrew: Some people, I'm told, had to copy and paste this to open it:
My radio show is found at:
No Brain Transplant for Ariel Sharon
No Brain Transplant for Ariel Sharon
by Barry Chamish
January 12, 2014
No Brain Transplant for Ariel Sharon by Barry Chamish (Jan. 12, 2014)
Email Address:


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Trip Checklist: Map, Compass & GPS
Trip Checklist: Map, Compass & GPS
Before you head outside, make sure you are ready to navigate with confidence with this checklist.
[ ] GPS app. Is the Trimble GPS Hunt or Trimble GPS Fish app installed on your mobile device?
[ ] Offline Maps. Download offline maps you need for the trip. Remember, the app does not come with preloaded with maps. Good reason too: Your phone would need a terabyte of space just to hold all the full-color topo maps in the United States. Download the maps you need onto your device before you go.
[ ] Trip & GPS Details. Pre-plan your trip with Trip Planner. Then send GPS info and download the trip onto your phone.
[ ] Paper maps. Suggestions: Print a map at home from Trip Planner. Or, order a large-format waterproof map from MyTopo.com.
[ ] Compass. Suggestion: We like the Brunton TruArc 10 compass. It weighs under 2 oz. and features a clear baseplate with common navigation grids so you can plot coordinates on a paper map.
[ ] Battery Pack. Pack a back-up battery pack and re-charge cord. We like the reasonably-priced Jackery Mini for its weight-to-power ratio (2.8 oz. 3,200 mAh; $13).

subset: commoncrawl


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Freighter Hagen adrift in the middle of the Atlantic
General cargo vessel Hagen experienced mechanical problem en route from Peru to Germany on Sep 17 13. Vessel changed course heading now for Azores, presumably for repairs. As of morning Sep 17 speed was some 2 knots, meaning vessel either proceeding at dead slow, or drifting. Vessel at the time was some 800 nautical miles WSW of Ponta Delgada, Azores, near position 32 58N 040 54W.


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Thank You! Not only was the price one of the best I could find, but my order arrived in less than 24 hours. Well done to everyone!Read More ->
Area restrictions apply. Premium next working day services are also available.
Address: M W Partridge & Co Ltd,
60 High Street, Hadleigh,
Ipswich, Suffolk, IP7 5EE
Tel: (01473) 822333
All Other Numbers
E-mail: firstname.lastname@example.com


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Our History
In October 1834, twenty-two members of the Rogers Cross Roads Baptist Church, which is now Wake Cross Roads Baptist Church, left their church (in good standing) to constitute a regular Baptist church in Rolesville. On December 26, 1834, a presbytery consisting of the Rev. Dr. Samuel Wait, the Rev. Amos J. Battle, and the Rev. John Armstrong met with the twenty-two dismissed members of the Rogers Crossroads Church in Rolesville. The Rev. John Armstrong delivered the first sermon. The Rev. Dr. Samuel Wait, of Wake Forest College, gave the prayer of blessing and extended the welcoming right hand of fellowship to the members of the newly constituted church
In 1878 the church built a sanctuary and adjoining classrooms. In 1938, educational space was built to the sanctuary building by men in the church and community. In 1963 a new educational building was built that included a kitchen and fellowship hall. In 1995 the sanctuary was remodeled. A new family life center was completed in 2003.
Some 23 persons, men and women, have been ordained to the ministry by the Rolesville Baptist Church. They serve in various parts of our land and world as pastors, staff persons, professors, and missionaries. Wherever they go, the investments and memories of the Rolesville Baptist Church in their lives go with them. Likewise, their ministry, work, and fellowship among us have helped fashion and secure our ministry in this community. It has been the privilege and responsibility of the Rolesville Baptist Church to minister to many college and seminary students throughout its history.
For many years, Rolesville Baptist Church has been a stable force in our community. From its beginnings in 1834 to the present day, the real story of the church is to be found in the generosity and goodwill of its people. From the smallest to the greatest mission enterprises, the people of Rolesville have tried to give their best to the Lord of the church. We have tried to be a blessing to others because we have been greatly blessed.


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Creating Variables: Fiscal Year
For those of you whose fiscal year is different from the calendar year, having a Fiscal Year variable can be a huge timesaver, which is why we've chosen it as the next entry in our Creating Variables series. Filtering and sorting on this variable make it easy to compare things like gifts on a fiscal year to fiscal year basis, as well as easily focus on one or more years of interest. Fortunately, creating this variable is easy by following these steps in Veera Construct:
The first step is to hook your dataset to a transform node:
Once in the transform, select the date variable (in the form DD/MM/YY) you'd like to extract fiscal year from. Next, click on the "IF" button (the top button on the right-hand side) to generate an 'if' equation. In the Enter A Formula window, we'll want to edit the auto-generated equation so it reads:
where A is the date field that you're extracting fiscal year from. This example is assuming a July 1 fiscal year start, which is why we used the number 7 (feel free to edit accordingly). Be sure to name the new variable and select "text" from the Result Type list before saving.
The formula is saying that if the month of the date field falls after the beginning of the new fiscal year, then set the fiscal year to the newer fiscal year (which is the year after A because the fiscal year will end in that next year). Otherwise, we're setting the fiscal year equal to the year of the date field (because the fiscal year ends in that year).
-Caitlin Garrett, Statistical Analyst at Rapid Insight
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Create and share reports and datasets across the enterprise, and put analytical power in the hands of everyone. Veera creates a truly data-driven culture. Try it for yourself today.


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- December 18
New alliance to enhance IT-related services in Southeast Asia
- To cope with market expansion by acquisition of shares in a company in Singapore -
- December 4
NRI APAC's Locally Incorporated Subsidiary in Taiwan Opens
NRI Taiwan will take over the Taipei branch's business operation and reinforce it
- December 4
- NRI to participate in a sustainable residential and industrial complex development project initiated by EWLP Ltd., Australia
- October 30
NRI Launches FundWeb Transfer Communications Messaging Hub for Mutual Fund Distributors
Nomura Securities becomes the first to use the Software-as-a-Service solution
- October 23
NRI Enhances its Settlement Solution I-STAR/LC for Integration with Updated BOJ-NET Network
Provided via ASP, I-STAR/LC is able to swiftly adapt to BOJ's settlement system changes
- October 10
- NRI Places in the Top 10 of the FinTech 100 for Third Consecutive Year Represents only Japan-Based Company in Top 60 Rankings
- September 6
NRI SecureTechnologies Rolls out Support Service for Certification of ISO22301, a Global Standard on BCMS
Building a Highly-Effective BCMS is supported, along with a viewpoint on solutions for information security such as cyber-attacks
[NRI SecureTechnologies, Ltd.]
- August 24
Core function of NRI Asia Pacific to be reinforced by reformation of operational basis in Asian region.
- Branches in Seoul, Taipei and Manila to come under NRI APAC's umbrella -
- July 31
NRI Partners with FnGuide to Provide Korean Market Research
FnGuide's financial data covers all listed companies within Korea, offering information on expenses, profits, assets and investments
- July 27
NRI to establish a subsidiary in Thailand
- To offer consulting services to the South East Asian market -
- July 5
Half of websites in overseas bases are dangerous
- Cyber Security Trend - Annual Review 2012 -
[NRI SecureTechnologies, Ltd.]
- July 5
NRI Completes Acquisition of Anshin Software
Toru Watanabe, NRI FT India CEO, to head new office branch
- June 25
NRI's Financial Markets Panel Partners with Chinese Think Tank to Conduct Asia Financial Markets Roundtable
- Meeting brought together Japanese and Chinese experts to discuss policy in financial markets
- May 22
NRI to Upgrade I-STAR Solution Suite for JASDEC's Adoption of ISO 20022
- New version aims to reduce settlement risk and improve operational efficiencies
- May 21
Establishment of the Committee for Next-generation Project Management Data Exchange Architecture
- Standardizing large-scale system development project management information amongst stakeholders -
- May 21
NRI APAC established Rep. Office in Jakarta
To offer consulting and IT solution services for the distribution business sector
- May 17
- Announcement Concerning the Payment of Dividends from Retained Earnings
- April 26
China-Based Bank of Communications Selects NRI's I-STAR/LC Settlement Solution
I-STAR/LC is the only ASP solution that enables a seamless connection to BOJ-NET for foreign exchange yen clearing
- April 19
- Microgen and NRI Partner to Deliver Finance and Risk Management Solutions to Japanese Market
- April 2
- Expanding Asia Market Segment Presents Significant Opportunity for Global Fund Management Industry, Survey Finds
- March 16
NRI to Make Its Singapore Subsidiary as Core in Asia
- Reinforcing its control by capital injection and giving the subsidiary a holding company function -
- February 28
- Ajinomoto and Nomura Research Institute Announce a Strategic IT Service Alliance Joint Venture and Share Transfer Agreements Concluded
- January 27
- NRI Revises Financial Results Forecasts.
- January 19
NRI Acquires Anshin Software
- Strategic investment strengthens presence in APAC region -
- January 4
- Opportunities for New Entrants Still Exist in Japanese Asset Management Market, According to NRI Research
Please download the "Asian font packs for Acrobat Reader" at the Adobe website, in case the PDF files show character errors.


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"Be Filled with Joy" – Luke 15:1-7 – Pastor Larry Kassebaum
Don't settle for happy
Happiness is dependent, joy is independent.
Joy is not a product of possessions, pleasure or accomplishments.
Philippians 4:11-12
Jesus brings joy
Every other religion has people searching for God, in Christianity, Christ pursues us.
True joy comes from knowing you have a Savior.
John 10:10
Make room for joy
Expect joy to be strongest when troubles come.
Matthew 7:24-25
Study Questions:
1. How have you experienced the difference between joy and happiness?
2. What are some of the things that you've done that have brought you the greatest joy?
3. Why is our identity in Christ so important to a life of joy?
4. What is there about pursuing a great purpose that brings joy?
5. Would you say that most people can see the joy of the Lord on your face? Why or why not?
6. Who are some of the Biblical characters who seemed to exude joy even in difficult times?
7. Who are the people in your life that best exude Christian joy? How have you been blessed by them?


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VISALIA, Calif. (KFSN) --These days it's not enough to enjoy a good meal, you've got to share it online and on social media. Farms and companies are also taking strides to showcase their food in an enticing image.
With a click of her camera, food photographer and stylist Lori Rice is trying to capture a salad in just the right light.
"The overall goal for any food photographer is to make a person hungry. To make them want to eat that. I like the idea of that, but also giving a feel, what does that food make you feel like? Does it create a memory? Does it bring back a memory?"
The Visalia woman is a natural light photographer who brings food to life through pictures. Her website is filled with mouthwatering images.
"But I get to make food look pretty and take pictures of food for a living so it's nice," said Rice.
Rice has a background in nutritional sciences, but her love for travel and food caused her to start blogging and capturing the moments. Companies across the country started noticing and hired her to shoot recipes and dishes for their web sites.
"Whenever you're promoting an agriculture product like citrus or something like that you want people to want to get that product and to work with it in their own kitchen, motivate them to cook with it."
Rice showed us some of the work she does inside her studio to bring the recipe from bland to lively, adding garnishes and perfecting a color scheme. Much of her work has been featured on her blog and social media.
"I cover my food, I cover my pugs."
Rice has even written a book called "Food on Tap: Cooking with Craft Beer," which incorporates cooking with beer. Some local breweries are also suggested in the book.
"I managed to use beer in salad dressings. I brought in the way I cook to using beer. It was a really fun project."
Rice has traveled the world and said she is inspired by food culture
"Everything by what's abroad to when I drive by the road here and I see walnuts and citrus, every day that inspired me and keeps me going."
Rice has a passion for food and photography that's picture perfect.


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Farmers Homeowners InsuranceConsumerAffairs Unaccredited Brand
Farmers Insurance offers discounts when you combine your auto policy with another policy from them, but it is not a verified InsuraMatch partner. InsuraMatch provides consumers with quotes from all their partner insurance companies in one short and simple phone call. *ConsumerAffairs insurance program, powered by InsuraMatch.
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278 Farmers Homeowners Insurance Consumer Reviews and Complaints
A link has directed you to this review. Its location on this page may change next time you visit.
On 04/05/2018, sometime between 1 am and 5 am, we had a water-line break in our upstairs bathroom and judging by the amount of water, it ran for several hours. Floors upstairs, and walls, floors and everything in the rooms below was soaked! Well, that's what we have Homeowner's Insurance for, right? A policy that we've been paying into faithfully since 2003, NEVER missed a payment, and NEVER had a claim before.
So I called the insurance company, Farmer's Mutual, thinking it would be just a matter of a claims adjuster coming to our house to assess/verify the damage (I had taken pictures too before we started mopping up the worst of the mess). This should be a "formality", right? WRONG!!! The insurance agent on the phone started reading off to me what is covered... fire, explosion, smoke, lightning, blah, blah, blah, vandalism, airplane crash, sinkhole and... wait for it... VOLCANO eruption!!!
"VOLCANO??? In West Virginia? What are the chances of that?" So our policy covers things that are LESS likely to occur than winning the lottery jackpot 10 times in a row, but it DOESN'T cover something as likely to happen as a water line breaking??? So, if you have a Homeowner's policy with Farmer's Mutual, then READ YOUR POLICY'S FINE PRINT!!! Read it, and then read it again, and read the EXTRA-FINE fine print! Don't look for what it SAYS in there, but instead look for what it DOESN'T SAY!!! I'm still looking for the airplane crash and Volcano coverage in our policy... just in case we survive one of those and can file a claim for it to get our water damage taken care of.
Contacted Company to have my insurance changed from annual to monthly payments. No one responded and I went with a different company. They later responded sending me a notice from a collection agency.
I have maintained homeowners, cars, and life insurance with Farmers for years, paying out many thousands of dollars for my coverage. My basement went underwater due to a major storm, destroying many things but most importantly my furnace. No one works after 3:30 in the afternoon at Farmers: claims, supervisors, the agent that sold me my policy, which is really frustrating when you have no heat in your home and it's 25 degrees outside.
My claim was denied because of some really slick double and triple talk on my policy. It says that things are covered in one part then in another part 20 pages later it explains why I am not covered. I don't get how these scum bags are allowed to do business like this. Even more disgusting is when I look on their website it shows people doing disaster recovery after Hurricane Harvey, I'm sure that no one was covered for that. "We know a thing or two, because we've seen a thing or two" - really refers to the fact that because they have been doing this for so long they really know how to not pay for anything.
I got sucked in by their low rates. I took the time to switch my homeowner's and 2 auto policies over to Farmers. Paid the deductible, got my mortgage company all set. 2 days after I canceled everything with my old policy they contacted me and said they canceled my homeowner's policy. 2 days! Who does that? Ridiculous! Stay away from this company! Unprofessional.
This is my worst decision ever made - to be a Farmers customer. I have Home and Auto insurance with them. There were heavy storms that caused damage on my home roof. I called in Farmers twice. Both times I was denied of roof replacement stating there isn't enough damage. Very bad customer service, thieves who only rob money from people. NEVER BUY FARMERS.
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I was given false rates by the agent that worked with me. I switched to Farmers because I was referred to by a mortgage company, but this agent quoted prices that were low and also lied about the deductibles with Farmers, when it was not true. Also, the company could not get my online account together until 3 months and also quadrupled my auto policies. This company has no clue what they are doing. They are very inefficient and lack good customer service. Even the district manager is out to gain a buck or two.
My Mom had wind damage to her roof that they will not pay for as promised when she bought the policy years ago. They have done everything they could and used every excuse not to pay for claim. Home insurance covers standard perils like wind, hail, fire, etc. but they won't pay.
Seniors and low income people beware of Farmers Insurance in Waco, Texas. I would not recommend them. They are not only more expensive than Allstate for instance for both car and home insurance, they treat you terrible if you have any financial difficulty and they absolutely do not give a damn about you. I had both auto and homeowners insurance with them prior to 2018 for years.
Unfortunately I'm a poor single senior on a fixed income and they would not or could not reduce my auto or home insurance when I asked them to. So I thought I had cancelled my home insurance first. I told them I could not pay but it's probably my fault because I did not insist that they cancel it immediately. Then they turned me over to a collection agency without telling me or offering me a chance to pay $163 to pay off the home policy. Gee wouldn't that have been the right thing to do and the humane way to treat a long time customer for a lousy $163? Secondly they are more expensive and I found cheaper similar policies with Allstate. I highly recommend Allstate.
My husband and I put in a claim for water damage on July 30, 2017 and we are still waiting for closure to our claim. We are senior citizens, my husband is a 100% disabled Veteran and we feel that Brian ** has taken advantage of our inexperience of dealing with claims. We have been with Farmers for approximately 15 years with zero claims. We have 3 vehicles and also flooding insurance with Farmers.
The claims we have submitted for our master bathroom and living room area due to flooding from a broken water pipe. Brian always seems to find reasons not to pay invoices we have sent to him. He has had several arguments with our vendors requesting for payment for their services. For example while our home was in demolition we advised Brian that we were going to not stay in our home due to extreme dust and construction due to removal of tile and replacing it. We submitted a invoice which now he is refusing to pay. Prior to this we had told Brian that we were going to stay somewhere else and he said, "Fine. Just get me an invoice". When we submitted our invoice Brian stated, "No way will I pay this invoice. You had other rooms to stay in during this time".
I have severe health issues and told him that, at our first meeting, with a witness from Servpro who heard him agree to our staying elsewhere. We are not sure why Brian ** is doing this, maybe lack of experience. We are now facing our vendor coming after us for this balance due. And we have not been reimbursed for our rental agreement. We are on a limited budget and cannot afford this. We advised Brian that we would be submitting a complaint on Brian and Farmers Insurance and Brian stated "do what you have to do". My husband and I are disgusted with the treatment we have received from Farmers Insurance.
I noticed a spot recently in an upstairs bedroom for a leak on the roof. The recent storms in Georgia being the culprit. I filed a claim and had a reputable roofer come to meet with the adjuster. The adjuster also brought a roofer. BOTH roofers told the adjuster I needed the roof to be replaced. I had significant wind damage and at least 26 shingles required replacement but the shingles were too brittle. The next day the adjuster calls and tells me the roof should be repaired and Farmers would not provide any towards repairs and it should only cost $962 and since my deductible is $1,000 I'm stuck. I followed the next step which is for a second opinion, they too have said the roof is repairable even though all of the roofers have said it's not.
I have NEVER opened a claim - auto nor home and I have to say this is the WORST experience I've been part of in terms of service. I told one adjuster today it makes more sense to pay for shoddy insurance if I'm going to have to pay out of pocket anyway - her response "as a consumer it's your right to take your business elsewhere" - what great service that is! Stay FAR FAR away from this insurance company. They do not take care of their customers and only want the high premiums you pay each month. Also to note - I now have 2 additional leaks from the roof.
Our tenants called with a sudden hole in our dining room - upon inspection - the plumbers identified a failure in our shower liner - there was mold present. We had the Farmers Insurance assessor come out - DeJuan ** - and he said that as there was mold present and that as the tenants used the shower daily - that we were not covered!! If the shower liner damage was instant and caused a hole - then that would be covered- but if the same damage was caused slowly - it is NOT COVERED- disgraceful lack of coverage- WILL not be using Farmers Insurance again - very disappointed- I will continue to share my experience!
Farmers Homeowners Insurance company is a no go. Beware of shady claims adjusters, bad service, and lack of care for your well being in the case of a disaster. Our adjuster Jamie ** has been a joke. We have to constantly correct the man in areas where he attempts to short our household funds, or reimbursements. Farmers Insurance paid a sistering company money for work not done shorting the contractor hired disallowing our home to be repaired. This company will short change you anyone way it can. Farmers is prepared to allow a family to stay at a shelter while a contract is limbo due to lack of pay to the contractor hired. Beware of Farmers Insurance.
On June 24th 2017, Agent Ray ** came to inspect my home, before I could purchase insurance. He was very rude, complained about everything in my home. He looked at my kitchen cabinets, asked where I purchased them. I answered that I didn't remember the company name. Then he opens the sink cabinet and looks inside. What does that have to do with purchasing insurance? On my other home, he said there was mildew on the roof. It wasn't mildew... But he did say that my insurance would go down $200 if I had it cleaned. We swept up the "pollen" and haven't heard from him since.
After paying annual premiums for 23 years (~$2000/year), filed a claim for damage due to water leak. Problem found to be drain adapter of shower pan - bottom piece broke. Leak appeared to happen the day discovered, after 2 kids showing. Adapter failed, causing water to bypass drain and permeate floor and walls surrounding shower. Claim was denied, because adapter showed signs of aging.
Yes, these adapters age and begin to deteriorate the day they are installed. There was no way for me to examine the under portion of the adapter (piece that failed). Farmers denied claim based on an exclusion that the damage has to be from a sudden and accidental discharge. I pointed out that this is exactly what I had, but Farmer's denial claimed that the adapter showed signs of aging and therefore leak was not sudden.
Consumers need to be aware of not only the exclusions and exceptions but need to interpret, based on these exclusions, how the insurance company will respond to the types of claims potentially filed, and adjust their policy to provide the best insurance at the most effective pricing for the consumer - not the insurance company. Agents should make consumers aware of these exclusions, and state and federal laws should mandate this, preventing the smoke and mirror sales.
Since signing on with them 8 weeks ago it has been one mess after another, starting with my bank sending me threats and notices that evidence of coverage wasn't provided by Farmers, then extra charges, errors on Farmers' end, failure to notify me in writing of why they were billing me, disappearing discounts and the list goes on. I offered to open up my home for the company to come and take pictures, open outlets And you're to prove electric, plumbing and roof updates. They would not take me up on this. When trying to get my business they accepted my proof of upgrading documents (receipts, city property website, etc). Yet after I signed on, They seemed determined to withdraw the discounts. Their requirements are beyond unreasonable.
I Have over a million in assets I elected to insure with Farmers and I'm profoundly disappointed in service. A classic case of getting what I pay for... actually less. I have spoken with my contacts on these matters and have been advised to seek different insurance at this point. Because it is required I will maintain these policies until a new provider is identified. I got other quotes a few months ago when I chose them so it shouldn't take long. Customer service is a disappearing value in our current social climate but I feel confident I can revisit my search and feel like I haven't been told one thing at signing and received quite another. Do NOT choose Farmers.
Farmers Homeowners Insurance, with Farmers is a joke. My hot water line busted underneath my home. I was out of my home for two months, I was in a hotel for three months. I was told my adjuster, that they was going to find me temporary housing. I ask the adjuster, about moving in with family or friends. I moved in with a family member, the adjuster asked me to write up a rental agreement. The first payment went good, but the second one was a mess. The agreement was, a payment was to be made on the 24th of every month. The adjuster made a partial payment to my account. I told the adjuster, that's not the agreement we made. I want the whole amount to be deposit, into my account. I have been paying for insurance through this company for years.
Farmers adjuster Julie **, had D.R.I to come into my home and clean out my cabinets. They were to remodel my kitchen cabinets, she changed her mind about the remodeling of my kitchen. I wasn't informed about her decision, now I have to put everything back into my cabinets myself. This was unnecessary, and it make more work for me to do. My front bathroom was remodel, and the plumber they had to come and fix the piping. This man was so unprofessional, he wanted all the money before the job was completed. They busted a pipe under the sink, and they had the nerves to ask me to go and buy another pipe. I told Jack the Plumber, I wasn't buy nothing, you broke it you fix it.
I was doing my laundry and realized, they didn't route the pipe back to the laundry room. I had to wait a week before they could come back out. My experience with Farmers Insurance was horrifying, and to think they have a commercial that states. They do a thing or two, because they have seen a thing or two. That statement is a lie, I just want my home back intact. My family and I want to be comfortable, again in our own home. I am looking for another insurance company, if anyone knows of one please let me know.
Don't buy into this insurance, I have a roof damage and they refuses to pay for the damages. I have 7 different location with damages and water leaks in my house they offered $648.00. My deductible was $1000.00. They will tries to do anything to not pay out the money. Completely Crooks. Don't deal with them. You will lose every single time.
My "FORMER" Insurance agent's secretary called to tell me that they had not received my payment for my Homeowners and Auto policies. I explained that I wasn't renewing them and that I had sent them an email indicating so. She then told me that I had to write it down on paper, send it to them with copies of my new policies. I said NO. I contacted you, which is more courtesy than is required. She then informed me that if I didn't, they would issue the renewal policy anyway and then send me to collections. I thanked her and hung up the phone and then I called the Missouri State Insurance commission and filed a complaint. Way to go Farmers! Glad I left you!
I've had Farmers ins for about 10 years on my 3 homes, 6 autos and paid my premiums as they come due... Have NEVER in the past 10 years ever made a claim. We had a huge snowstorm and collapsed my deck ($20,000). YES. A big elevated, attached deck at my cabin. Adjuster said it wasn't covered because it wasn't part of the home even though it was attached.
HERE'S WHERE FARMERS SCREW YOU. The agent is all folksy, nice, smiles a lot to get your business...says "don't worry about a thing, we cover your entire home," etc and never mentions anything about decks, etc...and leads us to buying their company... Then here comes the adjuster and it's his job to give you the bad news... "Oh you didn't read the fine print?? It says here on page 77" or whatever... Who reads the fine print?? Very bad customer service. DO NOT BUY INTO THEIR COMPANY.
The claim statement was misleading regarding the amount of money I received after getting my hail damaged fence power washed and stained.
I signed up online in December of 2015 because I was concerned about my neighbors. I live in a 4-plex of an apartment complex and of course, cannot be aware of or in control of what my neighbors do. I have never had Farmers try to call me, I receive automated generated emails.
I live in the southwest where wind is a common occurrence. About a week ago, we had our first big wind storm of the spring, with gusts reaching 65 mph (this storm lasted about six hours). My elderly father (90) lost about half of his wooden fence. He has always paid his premium on time and we both trusted that Farmers would help at least some. He lives in a nice neighborhood, nice home, decent fence. The adjuster came out two days ago and told a long story about how strong the winds were when she was a little girl (about 40 years ago) and lived in a nearby town. She said that the recent storm (which garnered severe storm warnings for days ahead of time) was "nothing." She did, however, say that multiple homes had received damages (go figure).
After not calling by the end the day yesterday (when promised), she calls late today and without apologizing, leaves a two minute message stating that she was not convinced that it was "wind that damaged the fence." There was no empathy or advocacy. Just those words and that Farmers would not be able to help. This is going to be crushing news to my dad who is on a fixed income and naively trusted that other people would be fair to him. I wish I could give Farmers a higher rating. To be honest, I feel terribly disillusioned, as well.
Every insurance company out there has its advocates and its detractors. That said, there are some common objective standards that should and could be applied in judging insurance companies, after one strips out the outlier issues that cause individuals to either complain or scream approval! These standards include: customer service (#1), empathy (#2), advocacy (i.e. advocate for you in the event of an incident, for e.g. a car accident, #3), follow-through (#4) and resolution (#5).
In 30 years, I've had 4 insurance companies: 20th Century (now 21st Century), State Farm, Progressive and now Farmers. On all the standards above, Farmers is head and shoulders above the rest. Their customer service is superlative. This includes the front-line of contact and the processors. Most of the time, you don't think about your insurance company. It becomes hugely important when you have an accident.
In my case, I am writing after less than a week from a horrific car accident in which I was struck in an intersection by a car at some speed. My high-end car will now be a total loss. From the first report on the accident, Farmers reps have been extraordinarily attentive, very empathetic, have followed-up diligently, and have identified pathways to resolution from the beginning. Because of the insurance I carry, they have assured me at every turn that they are covering all the costs of the rental, the towing, the possible repair (which in this case will now be a write-off) and the ultimate current value of the car. At this point, I am still not sure what that value will come in at, but of one thing I am sure: it will be fair, reasonable and consistent with data. Most important, their follow-through sets a standard, in my experience, of excellence, efficiency and communication with me, the consumer.
My advice to all who interact with insurance companies: be responsive and responsible yourselves first. Make sure you can gather and provide data wherever possible. None of the companies has overarching policies that they transmit internally to ensure that they use to diminish their responsibility or that they stiff you (despite this being the dominant impression among consumers). Each case is in fact a judgement, based on data and facts, and consistent with their actuarial and other data.
Second, don't treat them as adversaries. They are in business to minimize loss and maximize profit. There is nothing inherently evil or wrong in this mission. If you start out with an attitude of entitlement, without recognizing their need to establish facts, and the burden of liability, and the specifics of your policy (which you should read thoroughly), then it won't end well. Bottom line for me: Farmers is by far the best insurance company I have had. I have them for home and car (2-car family, so both cars are insured).
From the time I purchased my home in 2005 to 2010 I paid coverage for 199,000. I had paid every year the whole premium on the home. Then in 2010 I had a house fire. An agent came out just to tell me "no I'm sorry. I'm only paying you half." Left me at an aww... I was so angry not even enough to fix the home again. I am here still until this day wondering why I paid so much money for them to tell me nope.
This company treated me terrible and didn't care about an emergency situation when a car hit my building and was stuck in the side of it. The fire dept came and told me I had to get out now for fear of collapse. I stayed in motel and had one paid meal there and Farmer's refused to pay the $23 for a meal out, even though I didn't have access to my home, so I had to eat out and I obviously didn't take advantage of it. Farmer's wouldn't pay out anything so I incurred all expenses and anxiety really bad having to be out of my building, not knowing if it would fall, and seeing a car stuck in it.
The condo upstairs had a pressurized leak and no one was home in either condo. As a result, by the time it was found our condo was 95% impacted – all ceilings, majority of walls, all flooring and some cabinets had to be pulled out. At first, the adjuster said she couldn't pay unless she found negligence on the part of the upstairs owner. I got the State Insurance Commissioner and an attorney onboard at which point they stated in writing they accept liability. It's been 4 months and they haven't paid a dime or submitted an offer. They just keep asking for more paperwork and recently it's been paperwork submitted previously so I just forward the prior emails. It's causing us significant financial and emotional distress as we sit with a gutted condo, lost tenants and lost income. We have been customers of Farmers for 40 years: houses, cars, umbrella policies – this means nothing to them. I'd give them 0 stars if I could.
We had a serious house fire a few days before Thanksgiving and Farmers has provided excellent service. We called that evening while the house was still hot and they immediately put us in a nice hotel (of our choice). They sent an adjuster the next day who determined it should be passed to a large loss adjuster who drove out immediately (across Texas) the day before Thanksgiving. Every employee has shown genuine concern, kindness and urgency to help us. They have been very generous. Our adjusters are officially on our Christmas card list and we will HAPPILY be paying Farmers for their service until the day we die. Or don't have a home...
I have had their homeowner insurance for 25 years. This is first time using it and I called them about water leaking over the light fixture in the kitchen. The adjuster came out and looked and said he could only find problems with front porch and around chimney, so we had that fixed. It come another rain and it leaks in different spot in kitchen and they are being slow at trying to help and they want to file it on another claim so we will have another 1000 dollar deductible different from the first one I reported, so there is a thousand dollar deductible for each report not for a year.
I pay them nine hundred dollars a year for 25 years and this is the way I am treated. It has ruin food that a church had given us to eat because I live on 1,1490.00 dollars a month. If it wasn't for churches and friends we could not eat. I hope other people will read this and see that home bureau insurance will get out of paying anything. And do not get this insurance. I am looking on internet for a more reliable ins.
Dec of 2013 I noticed in our bathroom a loose tile. About a week later it fell off and I could see other issues appearing. More loose tiles in shower etc. Now the bathroom is from 1950ish. So not too surprised. In Jan we called Farmers to come out. The man looked in the shower and said, "You have a leak in the wall," (he knew this by experience) and said "sorry we do not cover such a thing." We had someone open the wall and stop the leak. But the damage was so bad we have had no use of the shower. The floor fell in. Farmers has been paid for a good 30 years on this house and this was the only call he ever made. And now we are looking at a good $10,000. Mess on our hands. The man did say, "I am sorry, I know it is hard. I am a homeowner also."
Had a pipe with a leak in my wall and had severe water damage to carpet and flooring and sheetrock and a lot other stuff. Called, send adjuster. Rolando ** came out and have a really low estimate to repair. Had other independent contractors come out all at about 11k-18k and Rolando ** from San Antonio Texas Farmers Insurance said only 5k of damage. Have been calling to give him other bids. Has not returned any call for months. Even called his manager to only get the same treatment. Very dissatisfied at this point and to put a nail in the coffin as we are dealing with this claim we get another leak and no you had come to show up to even see what's going on with this one.
Farmers Homeowners Insurance Company Information
- Company Name:
- Farmers
- Website:
- www.farmers.com


text:
An Enquiry Into a Combined Approach for Nursing Ethics
Lipp, Allyson
Bibliographic Citation
Nursing Ethics 1998 March; 5(2): 122-138
MetadataShow full item record
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An Enquiry Into a Combined Approach for Nursing Ethics Lipp, Allyson (1998-03)A definitive theory for ethical decision making in nursing is still only conjecture. The literature confirms that there have been numerous examinations of ethical decision making in nursing, with most proposing either the ...
Nursing Ethics Into the Next Millennium: A Context-Sensitive Approach for Nursing Ethics Lutzen, Kim (1997-05)The aim of this article is to argue for the need for a context-sensitive approach to the understanding of ethical issues in nursing practice as we face the next millennium. This approach means that the idea of universalism ...


text:
For those of you who have a pet at home must have a problem with animal fur that is sometimes attached to every item in your house, especially on the carpet. Fur attached to the carpet should not be left too long because it will cause various bacteria and respiratory disorders. For those of you who do not have more time to clean the feathers, then you need the right carpet cleaning services. You can find information about it at spotlesscarpet.info/. your carpet should get proper care and clean to keep it clean and comfortable to use.
In addition, you can use this method for a while so that the animal fur on your carpet can be lost:
1. Use a damp cloth
You can use a damp cloth to clean your carpet by wiping it. With wet cotton usually, the feather will be easy to stick.
2. Sticky stuff
Animal fur usually easily attached to a sticky object. For that, you can use any sticky object to take the feathers.


text:
Shop & Champagne
The 2017 event was Wednesday, November 29, 6:30-9pm
Shop & Champagne, the preview party for the Holiday Shop, kicks off the season with an elegant menu created by local restaurant chefs, plus champagne and wonderful art. Celebrating its 16th year, Shop & Champagne is a much-loved fixture on the community calendar. The revenue generated from Shop & Champagne and Holiday Shop provides critical support for the BBAC's ArtAccess and educational programs as well as working artists.
Holiday Shop is open daily, Nov 30-Dec 21!
Monday-Saturday, 10a-6p & Sunday, Noon-4
Shop & Champagne Restaurants – we love them & their food!!!
Fleming's Fine Steakhouse & Wine Bar
AND festive libations by:
Interested in sponsorships? Phone or email Annie VanGelderen, BBAC President & CEO: 248.644.0866 x 108; firstname.lastname@example.com
2017 Shop & Champagne Sponsors
Ken & Patty Eisenbraun
Aurelia & Alvin Michaels, MD
Lynn & Harvey Verbelun
Dr. Myron & Joyce LaBan
Maggie Greene
Carolyn Hall
Jim & Nancy Seavitt
Joshua & Lisa Sherbin
Helen & Mike Vlasic
Andrea & Ely Tama
Annie & Glenn VanGelderen
Judith & Joel Adleman
Alzheimer's Association – Greater Michigan Chapter
Fenner Melstrom & Dooling, PLC
Lynn Forbush
Dale & Bruce Frankel
Doreen Hermelin
Dave & Mary Hines
The Law Offices of Barry L. Howard, P.C.
Tony Macioce


text:
"Anything he said as a doctor, they believed him and thought he had their best interests in mind." (Prosecutor Alex Chen)
In Las Vegas Nevada a superior court jury has found Doctor Binh "Ben" Chung guilty on numerous charges of patient sexual assault while in his medical office for treatments.
In total, Chung was convicted on Friday of 11 of 14 felony-level crimes – the least of which included Kidnapping, as well as using a child to produce pornographic videos, because one of his sexual assault victims was only 16 years old.
The jury, which deliberated for 8 hours, determined that Chung abused his position as a physician; drugged and raped unconscious patients behind closed doors; and in some cases, recorded his attacks by using a hidden video camera.
Over the course of the trial, several victims testified in detail, telling the court how they were drugged and then sexually used by the doctor as they lay on his exam table unable to move.
Criminal Chung was originally handcuffed and taken to jail in Las Vegas in 2015, after his wife had gone to police, and showed them the video recordings she'd found on his home computer.
In a last-ditch attempt to convince the jury of his innocence, Chung testified himself last Thursday. He stated he absolutely did not sexually assault any of his patients. Rather, the sexually explicit videos shown in court were of "role playing" with a woman he was having an affair with. He said he and the woman had a Sleeping Beauty fetish and would "pretend to be asleep".
That response was denied by the woman in question. She testified against him, as did other victims who, apparently, had no such "fetish." Neither did it explain any of the other patient attacks.
The doctor will be back in court for a sentencing hearing on July 10.
Our Observations:
As we previously reported, Doctor Binh "Ben" Chung is an immigrant from China. And as we also reported, the Nevada State Medical Board could have stopped all of this from happening a decade ago, when Chung was arrested on "lewdness charges" in 2006. As too often happens with physician misbehavior, the charges were dismissed, when he agreed to 100 hours of "community service" and "impulse control counseling". In that case, the deviant doctor sexually groped a 15-year-old girl who sought treatment for an eye infection. And some poor mental midget determined "impulse control counseling" would solve the problem of a sexual deviant.
How well did that work out for the ladies and girl in this case?
Never forget: The primary purpose of state medical boards is to protect criminal physicians. They all talk a good game about "public safety". It's nonsense. In literally thousands of cases since 1985, state medical boards could have protected the public by simply being proactive. All they have to do is institute policies and protocols similar to the airline industry regarding pilot misbehavior.
It ain't exactly rocket science.