There are a lot of secrets that companies use to make money. Some of these things the average consumer knows, and a lot of stuff the company doesn’t want you to know. We went out and dug up some stuff that you might not believe. We at The Blind Side went out to the darkest corners of the INTERNET and dug up some things that might help you in everyday life situations.
Insurance companies do not want you to hire an attorney because they know studies show they will have to pay you more money. To discourage you from hiring an attorney, they may characterize attorneys as greedy, lazy, unnecessary, and any other number of adjectives (these adjectives may be accurate to describe some attorneys, so be careful who you hire).
When they tell you that you don’t need an attorney to help you, ask them why they have attorneys on retainer to help them. Second, the insurance adjuster is not your friend. They are in business to make money. The less money they pay you, the more money they make. Adjusters may seem pleasant, and on a personal level they may even seem to care about you, but they don’t get job promotions for paying you more money.
Credit Card Companies
Let’s face it, these companies are only in business to make money from you. And if you screw up at all, they can leverage their rules against you. First, there is no federal law that sets a maximum annual percentage rate. They can dictate that rate as they please based on your credit. And fixed interest rates? Even if you always pay on time, the “fixed interest rate” on your credit card can be raised basically any time the credit card company feels like it.
After just one late payment, you could end up with a penalty interest rate across all of your credit cards, even if you have always paid the other card balances on time. Many credit card agreements now include a clause saying the company can raise your APR if you are late on any bill, not just a credit card bill. The credit card company monitors your credit report on a regular basis to look for any change that could lower your credit score and allow the company to raise your interest rate.
Cell Phone Companies
If you have ever had problems with your cellphone provider, it could be they are using tricks to make them an extra buck or two. Knowing some of this stuff might help you get out of a jam. For instance, most people are billed for their mobile-to-mobile usage, which should have been free. Many people do not realize that those free minutes are being counted when they tally up your usage.
Sometimes you end up paying for those free minutes when they should never have been counted or considered overage. The providers say this is just a glitch in the system and they are working on ways to stop this mistake from happening. Also, you might not know this but you can cancel your contract without any penalties if your provider raises prices or changes anything about your account.
Even if they notify you in advance that they are going to raise a price or fee, they have violated your agreement and the law says you can ask to be released from your contract without paying any penalties as long as you do so within 30 days of the notice. Oh, one more thing, cell phone batteries are about $60 on average in a retail store…when they are only about $10 online. Amazon has the best prices consistently on batteries just like you would get at the wireless store.
While it might not seem that a hospital is a company, it is a company business just like any other business. Those freestanding ERs popping up all over? They typically don’t have anywhere near the resources of hospital ERs, yet they cost just as much. Go there for small bumps and bruises. For something serious (chest pain, a badly broken bone), get to a trauma center where specialists and surgeons work.
Superbugs live everywhere, and they can travel. Even if your doctor washed his hands, that sparkling white coat brushing against your bed can easily transfer a dangerous germ from someone else’s room. Ask for bleach and alcohol wipes to clean bed rails, remotes, doorknobs, phones, call buttons, and toilet flush levers. Wash your hands before you eat. Even if that hospital looks clean, its crawling.
That might be enough to keep you away from one forever. Hospitals often force nurses to handle more patients than they should even though studies show if your nurse is responsible for fewer patients, they have better outcomes. California is the only state with hospital-wide minimum nurse-patient staffing ratios. It’s all about their bottom line.