How Your Bank Can Ruin Your Vacation As Commerce Bank Did Ours

My Commerce Bank account is a small checking account I had set up a couple of years ago to handle my father’s bills. When my father passed away last year, I maintained this account and from time to time over the past year I would cash some checks and did little else. I would access it online to see my interest on the account and would receive their paper statements each month.

I was getting ready to visit Budapest, Vienna and Prague on an extensive business/vacation trip and decided my best rates on foreign currencies would be had using my ATM card in each country I visited. My wife insisted this was the best way to handle this and not to take much US currency because we wouldn’t need it. I of course always feel a bit uncomfortable not taking cash with me, but conceded to her wishes.

I decided to make an additional deposit to my Commerce Bank (America's Most Convenient Bank) account prior to leaving and added another $575 to the account at the drive through window. When I made the deposit the teller told me that the account was flagged inactive. I asked her why and she said because of the lack of activity on the account this past year. She said it wasn’t a problem and she would make sure it was activated. She also gave me the banks phone number to call later in the day to make sure it was done. I called and was told that the deposit I made would reactivate the account and I shouldn't be concerned.

I explained, over the phone, that I was going to Europe and didn’t want to have any problems since this was my main “Cash” card and was assured the account was in good standing now that I made the deposit. My ATM card had an expiration date of 2009, so I thought that was OK too. Never did I realize that the bank also canceled my ATM card without any notification in writing or by phone, leaving me to think this card was still active.

Now lets go back to our arrival after a less then wonderful two separate flights totaling 11 hours. We were tired after this long trip and it was about 4 AM our time when we arrived in Budapest. At the Budapest baggage claim we saw a convenient OTP Bank ATM and attempted to use it. Of course the menu was in Hungarian, but we did see a button for English and we began the process. I put my Commerce ATM card in to the machine, put in my pin number and then attempted to withdraw some “Forint’s” Hungarian dollars from the machine. An error message came up, but it was in Hungarian, not English and I had no idea what was happening.

I attempted to cancel the transaction, but my card was not returned.

 I was fortunate to find a very nice Hungarian man, Arpad Halasz, who spoke English and came to my aid. He promptly called the ATM’s help number and although I wasn’t sure what he was saying to the rep on the other side, I could see he was getting agitated. He told me that their might have been a malfunction of the machine and I should phone my bank, have them cancel the card. He again tried to explain that I was from the United States, needed the card to obtain funds while in their country and had no way to call my bank back in the states. After a while, the "friendly" bank operator simply hung up on him after refusing to send a service technician to retrieve my card.

Now what do we do. We are in a foreign non-English speaking country, very little cash and no one to help us retrieve my Commerce card. The gentleman who helped us decided to visit the branch of this bank which was at the other end of the Airport and demand that they help me out of this mess, so off we went.

The clerk at the branch didn't seem to want to help me either, until I handed him one of my business cards and showed him my Press ID, and explained I was invited to his country by the Czech Airlines to write a review of my trip and if he refused to help me I would surely include the story of his bank in that review. He started to make calls and I thanked the man that had helped me get to the bank. I gave the teller a copy of my Commerce ATM card which I had made along with all my other credit cards, and documents in my wallet. Being a traveler and a journalist, I like to do this in the event I lose my wallet or it is taken from me by one of the many pick pockets in some of the countries we have visited.

After about 40 minutes he put me on the phone with one of his bank reps who spoke English and she advised me that the reason my card was taken was because my bank, the Commerce Bank had ordered them to do so. Not only was I shocked by this, but I was furious with my bank. I knew this had to be the real story because of the entire "Inactive Account" incident at the bank before I left the U.S.

So without much money in my wallet and over 2 hours wasted and frustrated I rejoined my wife who was sitting in the baggage claim area all this time not knowing what had happened to me. We exchanged $100 cash that I had for the Hungarian currency and was able to charge our cab fare, so we had enough to get to our hotel.

Our options now were to either charge everything we could, take some cash advances from our credit card or limit our cash spending to the $300 we took on our trip. Of course doing this on a 10 day European work assignment was going to be very hard indeed. We were fortunate that most of the major costs were already paid for or would be paid using our credit cards. Many of the other items like museum entry fees, public transportation, sight seeing buses, boats, purchases of souvenirs we wanted to bring home, might be a problem for us, but we were intent on making this work.

Because this trip was for my company and I was writing an extensive review of these three countries I was able to meet with various companies, museum public relations or marketing personnel and obtain media or complimentary press access to their services or attractions. This helped us keep our cash needs down and enabled us to complete our trip, which could have been a major disaster because of my bank. The few hundred in cash, the press access we had, the favors afforded us by the generous people at the many museums and attractions we visited helped us make our meager cash budget stretch a great deal more then if we weren't a member of the media.





We did have to waste a lot of our time finding the proper people at each and every company we needed to visit or use their services and this cut into our trip and also wasted many hours of our time. The effort involved in finding the public relations managers in a foreign country and then making a presentation and showing our work to them for free access was almost embarrassing at times, but we had to do it because of my banks screw up.

In one case it took almost two hours to locate the public relations director of the Jewish Museum in Prague and then we had to pass all their security to visit her in her offices. Each and every day became a challenge for us because of Commerce Bank and I began to write this article in Budapest knowing that I would visit their branch, find out why they did what they did and ask why in all this time, they never had the decency to contact me or let me know they were going to cancel my account and ATM card.



Not only was their actions improper, unprofessional and certainly not friendly, but it has cost me and my wife more then just a simple inconvenience on what was going to be a wonderful trip to Europe that we looked forward to for some time.

Each night as I lay in bed, I kept thinking of what my friendly bank did to us. They ruined our trip, wasted many hours of our time and caused us untold stress in having to deal with our lack of cash in three foreign countries where English is not the language of choice.

As my anger took the better of me, I kept asking myself, "What should I do? On my return to the US" Should I close my account and call it a day? Should I contact some of my friends in the media and become a story on how a bank can mess ones life up, as Commerce did to us? Or should I write about the bank on my blog and my web site and then if necessary take additional legal action? After all only a few weeks ago we saw a case that made us laugh a bit. Apparently a man had to sit in the lavatory on a Jet Blue flight for 2 hours, for reasons that were not very clear. He hired an attorney, got on the news with his story and I understand is now suing the airline for millions of dollars.

I decided to visit my branch and see what they had to say and then make my decision. I can assure you all that with my 18 years as owner and president of International Press Association and the many articles I have written about companies and governments not getting it right plus my heavily read blog "dontgetmemad.blogsspot.com" the Commerce Bank might want to review how they do business and make changes in their procedures so others won't find themselves in a foreign country with no money and no one to speak to.

Shame on You Commerce Bank, you let us down, but I can assure my readers that I will make sure that Commerce understands the importance of notifying their customers of any change in their accounts. It is hard to believe in this day and age of identity theft and high bank account security that they wouldn't do this as normal policy.

I will report back to my readers as soon as I can and let you know how this bank handles this horrid situation...or simply watch your local news for this story, I am sure it will be better then the guy being put in an airlines lavatory for 2 hours, his story pales by comparison to mine.

Initial Contact With Commerce Bank - May 28, 2008

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Commerce Bank's Branch Manager Robert Jordan of the Hazlet, NJ branch, called me today to apologize for what had happened. His explanation was that the teller should have told me that my ATM might have been deactivated as well. She should have also told me to see one of their supervisors, regarding my account. Although she did give me the phone number of the bank to call and check on the status, this may not have been enough. I think the rep I spoke to when I did call, should have been the one to alert me that my card might now also be inactive. Since she was the one I called to make sure everything was in good order, it was her job to ask if I had an ATM card and to make sure it was active.

When I pressed Mr. Jordan about the banks policies regarding the cancellation of an ATM card and deactivation of an account without notifying the customer of these actions he told me he couldn't comment on bank policies. I explained that my credit card companies have all called me in the past when the see any suspicious activities on my account. This is the reason I called all of them prior to my trip to have them put a notation on my file that I would be in Europe for the 10 days and not to be concerned if any charges came in during that period of time.

The only card I didn't call was the Commerce Bank, thinking that my deposit and conversations with them was enough to make sure the account was now activated and working properly.

Mr. Jordan asked me to write a letter to the bank to explain my situation because I would not simply accept an apology or a coupon for a free dinner at a local restaurant. I believe the bank has to offer proper compensation and by doing so, it may motivate them to make the changes necessary in their policies regarding proper notification on any changes in ones account. This will help to ensure that their other customers won't find themselves in a similar situation as ours.

It is unfortunate, that individuals must take radical and even legal steps to make some companies realize that they have to try harder. My acceptance of a free mail or a verbal apology might be enough for some, but I believe that some companies have to be hit in the pocket before they take a situation seriously. By doing so, the problem is then elevated to the people at a company that can make a policy change. Commerce Bank, a bank that claims they are "America's Most Convenient Bank" proved that they must make these changes in their policy and notify their customers of any change in an accounts status in order to maintain this reputation.

At this point, I have already contacted one local newspaper and one television station about this situation and both have an expressed an interest in telling my story to their viewers and readers. This is an option I may decide to exercise if the bank doesn't come through with what I consider a legitimate offer of compensation.

One final note, Mr. Jordan had stated that the bank would have reactivated my card if I had called them from Hungary or would have issued a new one and sent it to me overnight. When we arrived in Budapest it was 10:00 AM there time and 4:00 AM EST. I am not sure if we attempted to call the toll free Commerce Bank number on the back of our card, we would have been able to get any help. There was also no way for us to get the OTP bank to return my card and open the ATM machine. This card I was told, would be destroyed during a normal service call. Frankly, we were in a state of panic and didn't even know how to make a call to the United States from Hungary.

Even if we had reached Commerce and they offered to send a new card overnight we might not have been able to receive it. We were only going to be in each of the three countries we visited for two days or 3 nights. This in itself could have created a problem if a new card was sent to us. Even if we had them send it to our next hotel and asked them to indicate they should "hold for arrival", on the package, in our minds, there would be a security risk in doing so.

We decided to try to make it work without the ATM card and hope for the best. Our last option of course would be to take a cash advance on our credit cards, but this was not necessary since we were able to charge as much as we did, gain complimentary admissions and services because of my press affiliation and use the small amount of cash we did take with us.

We have now learned another valuable lesson, don't depend on your bank cards and take enough cash with you on any trip. Something could go wrong and you need to have a back up plan if it does.

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Follow-Up Dated June 9, 2008

The branch manager requested I send him a letter so he could forward it to the proper personnel in his company to handle this situation. I wrote the letter, copied the blog and delivered it in person to the branch. I later found out instead of sending it to their customer relations department he forwarded it to their corporate staff counsel Mr. Christoper Tucci. Since I had not received any replies from them in over a week, I sent an email to Mr. Jordan to find out what our progress was and was answered by Mr. Tucci who sent me an email copy of his letter.

I want to share this with all my readers, because it simply confirms what I and the many others have been saying in so many blogs and articles on the net, Commerce Bank has lost its heart and forgot their primary mission.

Please read this letter and you be the judge if this is how you would handle an upset depositors complaint. This letter has not been changed in any way and is the same in the email form as it was the written letter I received in the mail today.

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From: christopher.tucci@yesbank.com
Subject: Commerce Bank, N.A. relationship
Date: June 9, 2008 2:46:29 PM EDT
To: lenrap@internationalpress.com

Mr. Rapoport -

Below, please find a letter attached that was mailed to your attention last
week. For the purposes of the account closing, we can use today's date as
notice to you of the ten (10) day provision. Thank you for your
anticipated cooperation.

(See attached file: Rapoport response.doc)


_______________________
Christopher J. Tucci, Counsel
TD BANK, N.A. Legal Dept.
1701 Route 70 East
Cherry Hill, NJ 08034
AIM # 01-010-05-00
856.470.2241 direct
856.874.2423 facsimile
Christopher.Tucci@yesbank.com

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May 30, 2008

Leonard L. Rapoport
15 Carlow Way
Hazlet, NJ 07730

Re: Commerce Bank, N.A. account no.: 7861322464

Dear Mr. Rapoport:

Commerce Bank, N.A. (“Commerce”) is in receipt of your May 28, 2008 correspondence to Mr. Robert Jordan of our Hazlet store. After a review of your allegations, we must respectfully decline to reimburse you for any costs or fees associated with your recent trip to Europe. It is the long-standing policy of financial institutions to place accounts with no activity on “inactive” status to protect their customers. In addition, any access device connected with that account would also be placed on “inactive” status in that situation to protect the customer.

As Mr. Jordan explained, a simple phone call to Commerce would have rectified the situation after your card was captured in a foreign ATM machine. You have refused nominal reimbursement from Mr. Jordan and instead, started a series of harassing activities towards Commerce employees. We must ask that you immediately cease and desist this behavior and insist that you close your Commerce checking account referenced above. If the account is not closed within ten (10) business days from the date of this correspondence, Commerce will close the account and mail you the remaining funds.

Commerce views your demands of financial compensation within five (5) days, with the result of noncompliance being your publishing this situation to the “media” a very serious matter. Please be advised that Commerce must comply with all Federal and State regulations, as well as, regulatory requirements regarding these types of demands.

Commerce reserves all legal and equitable rights available to it under your deposit contract with us and any applicable Federal and State laws. Please be advised that any libelous statements made concerning Commerce or its employees will be considered actionable by Commerce and this matter will be forwarded immediately to outside counsel for Commerce to file an immediate lawsuit against any party associated with those comments. Please be guided accordingly.


Very truly yours,


Christopher J. Tucci

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I have responded to this email and frankly at this point, it appears that I must turn this over to my attorney for further action. I have two of the IPA researchers working on a story to understand a consumers rights regarding the banking industry and will be writing a full article on our other web site. Stay tuned.

In the meantime, you may want to see some other postings regarding Commerce Bank that may or may not confirm my findings.

http://mentorcoach.wordpress.com/2008/04/05/how-commerce-bank-lost-its-niche-and-its-heart/

http://jjrc.wordpress.com/2008/02/28/why-i-hate-commerce-bank/

http://www.sethgunderson.com/archives/2006/02/commerce_bank_c.html

http://www.rateitall.com/i-944605-commerce-bank.aspx

http://www.alexgeana.com/2007/06/commerce_bank_c.html

http://commerce-bank.pissedconsumer.com/bank-closed-my-account-after-a-bad-check-20080212112972.html


I am sure if you simply googled any banks name you would find negative postings about each one of them, but if you read between the lines, you will see the same thing coming up over and over again. This bank has lost their way and has lost their heart.

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Update - June 25, 2008

As you can see, they decided to close my account and mail me the above check.  I had already made the decision to do so and had pulled most of the funds out of this bank.  I wanted to see if in fact they would follow through on their threat, which they did.

I have decided not to pursue any legal course of action at this time. I have been too busy to deal with this now, but I do have options open should I decide to take any action at a later date.

This bank deserves the poor reviews they have been getting.  Any company that can't deal with a situation like mine in a proper manner does not deserve the loyalty of their customers.  From a bank with a heart, this bank has now become a bank without any clear direction and it is a shame.

I would advise all of my readers of this blog to simply question the rules and regulations of their banks to make sure this doesn't happen to you.

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Please visit my web site to read my review and view my photos of my trip to Budapest, Vienna and Prague. 

Did You Ever Get Someting Strange In A Food Package?

Over the years I have had a few strange experiences with packaged food items I have purchased. We have all heard of the story about the guy that opened a can of soda and found a finger in the can. I suppose most of us have found a pit in the bag of dried fruit or maybe a hair in some other food item. Some years ago I had purchased some Andies Candies, you know the one they leave on your pillow at the hotels. This box was filled with peanut butter instead of the mint filling.

I had a party in my home, served the candies as part of the dessert table and after many were eaten found that some had worms in the candy itself. I know you probably would have been as disgusted and embarrassed as we were. So what do you do? Do you throw them out and wash your mouth out with mouth wash? Do you take the remains back to the store and get a fresh box? Or do you do what I did, you contact the company and let them know about the problem.

This happened to me a number of years ago, probably mid 1980s. We didn't have the internet and knowing how to right letters on my Tiffany stationary, I thought I would have a better shot of getting someone's attention, I was right.

I was contacted by the company and I explained my horror at finding the bugs in the candy, especially the embarrassment at our party. They of course asked if I could send the box of candy to them so they could examine it. I never do this and would tell you not to do this as well.

I suggested they send someone to my home so they could examine the candy. I felt once they do this and see the complaint was legitimate I would stand a better shot of receiving deserved compensation. Although in those years, we didn't have lawyers advertising in the media to sue everyone, nor did we have the internet to share horror stories, so bringing this issue to their attention and getting compensation, was something many people just didn't bother to do.

Not to make this a very long story, this is the outcome of my complaint. They hired a local insurance adjuster who contacted me and came over to my home. I showed him the candy and there was no question about liability. He was very nice and told us he would recommend that they offer me a settlement.

I was offered $3,000 at that time, which I suppose is like $10,000 today and I gladly accepted their offer. They explained that the peanut butter filling was a new item for them and they found if they were left on the shelf too long that this could happen. Apparently the eggs of these bugs must have gotten into the candy mix and survived the candy making process.

I probably would have been happy with a years supply of their products, but this incident just confirmed my belief that you need to speak up and let companies know when they or their products fail to meet up to the simple standards we expect from them.

I also assume that they knew of the problem and wanted to keep it quiet. Imagine the recall that the FDA would have forced them to do if they knew this was an ongoing issue. Today we know better and call our local TV station, get reporters out to our homes and then hire an attorney who ends up getting us the thousands of dollars I ended up getting by myself.

Now if you want to read another story about finding another nugget of gold in a food product, read my next post about biting into a nice size piece of wood chip in a box of candy hearts.

Forget Turbo Tax This Year, They Really Messed Up!

If you are like me, you may be ready to do your 2007 tax returns, but better consider the software you select this year. Turbo Tax a long favorite has dropped the ball both last year and this year. You can go to their web site and read all the complaints in their Inner Circle or from their customer postings. Here is one I just posted this evening. Will see if I can get a refund from Intuit on this horrible program.

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I have used Turbo Tax for so many years, I can't even remember when I started using it. It just seems to get worse each year not better. There used to be a wealth of information you could call on easily to explain difficult situations, now the few videos are almost worthless.

The interview process is so lame and confusing that it took me more time to go through this process then to simply look at the forms and enter the values there. Pages and pages to go through for each question instead of one page where you can simply answer all the values for that question and then submit them.

The handling of stock transactions is so poor that for the first time in 20 years I received a notification from the IRS that I was missing my Schedule B, which never printed (because I was under the $1500 requirement) but IRS still asked for it. Then all the imported stock transactions from Ameritrade came in without the date of purchase or price and I had to complete at least 100 or more manually, only to find out that they never printed properly on the final return and I received a 13 page notice from IRS to supply the basis on my transactions as they didn't receive them.

This year, I noticed that Schedule B didn't print again so I manually printed it and added it to the return. Better to be safe then sorry.

Finally, because many of us now "Trade Stocks" because of Jim Cramer and the way the market fluctuates each day that I ended up with about 500 trades for the year in 3 accounts. I decided Turbo Tax was useless and Ameritrade uses Gainskeeper which is free on my account. It will print out a report of the years transactions with the buys and sells, wash sales, etc. and give you the totals you need.

Then I had to go to Forms to check a couple of boxes that said I would attach my list and I was able to enter the values there. No where in the Interview process did it allow me this option. You have two options, the spread sheet or one by one. With so many transactions it would have been a nightmare, now it took me a couple of minutes to print it from Ameritrade, add the numbers from the 3 accounts, enter it on the form and attach these schedules to my return.

It would appear that each year Turbo Tax takes things that aren't broken and break them instead of adding better functions and ease of use.

This year it didn't import all the data from last years return properly. When I got up to doing Schedule A, it said

it would appear I didn't use Schedule A last year

, which was not true so I had to enter the values manually.

For $80, this years Home and Business was definitely not worth the money. I am only sorry I didn't purchase it from Costco where I could have simply taken it back and gotten a refund. Oh yea, when I tried to find a decent customer support line to discuss why IRS returned it all to me and what I should do, I spent over an hour on the site trying to figure out where to find the support.

One last thing about eFiling...forget this option. If you don't physically check your return manually you may not catch some simple errors like entering data incorrectly or something not printing properly as was the case on my 2006 return. If you make an error on an Efile return you are screwed, there is no way to correct it short of re filing a 1040X amended return and paying again to file it. Would you really trust sending a complex return on efile without checking it first? Maybe on a simple return you can do this, but frankly for $17 bucks, why would you. Enough is enough...

You guys better wake up or you too will find that the publics loyalty to this brand will soon diminish and you too will be another company that owned its market and are no longer in business like so many others that took their business for granted.

Len

Grohe You Get What You Pay For...Best Warranty

There is an old saying that goes "You Get What You Pay For." I can tell you that I have always been a bit skeptical about this saying because it was my belief that some items that cost more then others are not necessarily better or worth the extra cost.

This is certainly not the case when purchasing Grohe plumbing fixtures as I have found out over the many years I have had them installed in my home. My first experience with Grohe goes back almost 25 years ago when I purchased a faucet for my bathroom sink. Some years later, we added a second floor on our New Jersey ranch home and once again decided to go with the top manufacturers at that time. The water basins and sinks were made by Villeroy & Boch, all the faucets, showers and tub hardware was Grohe. Now over the years, I have always loved my Grohe items, because the quality is beyond compare. The faucets are made by Grohe in Germany and they have been engineered to last a lifetime and look as good 20 years later as they did the day they were installed.

A couple of years ago I purchased a Grohe kitchen sink faucet, it wasn't inexpensive and I think I paid almost $400 for it, but even the Home Depot units from China were over $150 and they just didn't compare. The chrome finish is flawless and is hard and shiny as a diamond. All you need to do is spray it from time to time with a mixture of plain white vinegar and water and wipe off any white lime deposits. For a higher shine, use a high quality chrome polish and it will look new.

Getting back to my sink faucet...I noticed my water flow had diminished a great deal in the kitchen. A friend who is a plumber took the head off and the water was fine so we realized the head was probably clogged up. I called the Grohe, dealer where I had purchased the faucet and he took care of getting me a free replacement. I didn't even have to send the old part back and Paul Stewart at Richmond Tile was my dealer and he knew me well. Now if you think this is great, wait until you hear this story.

I decided it was time to update my downstairs bathroom again. We actually did it about 12 years ago, but had some water damage and couldn't replace some of the tiles on the wall and had to use different tiles on the fix and it never looked right. Add to this my work changing all the doors on all my downstairs rooms from the flat panel doors to the 6 panel raised doors. When replacing these doors, I had to pull out all the doors and the frames and this ended up damaging the tile floor in this bathroom...so here we go again, doing it one more time.

As I shopped for new tile, vanity, sink, water basin (toilet), lights, fan, etc. I also thought of replacing some of the Grohe fixtures with new ones. The dealer also showed me Jado another upscale company that also makes a great product, but after seeing the cost to replace it all, we decided to simply use the existing Grohe fixtures and just purchase a new sink faucet (Grohe of course) to go with the updated sink/vanity.

As I took the fixtures down and began to demo the walls, I noticed that some of the Grohe parts had worn out. The hot and cold water cartridges were not working properly and were all clogged up with lime deposits. The hose on the shower was showing some wear on the top and a cap on the bottom of our shower bar was not staying in place due to a broken part.

I called Grohe and spoke to their warranty department. Mr. Michael Montalbano who works in their International Customer Support area was my rep and he asked me a few questions about my products and asked me when I purchased them and then asked me to send him some photos of the parts that were not working properly or damaged. Since I am a professional photojournalist and the president of International Press Association, taking those pictures was simple for me.

I shot the photos and uploaded them to my server and send Michael the list of what I needed and a link to the photos. Once he verified I was the original owner of these items, he began the process to replace them. I received the replacement parts in about 3 days total. I was shocked to say the least...how could a company operate so efficiently and really live up to a Limited Lifetime Warranty as Grohe did?

They didn't ask me to return the defective parts, they didn't require me to dig up a 10-15 year old receipt for the product and they didn't take 4-8 weeks to make the replacement as others have done before. The process was so painless and Mr. Montalbano was such a helpful gentleman that I know I will become one of their best evangelists. Not only have they produced quality products and have put their money where their mouth is (their warranty), but in the event a product does not live up to a customers expectations (or theirs), they step up to the plate and make it right.

Now that I have all the parts needed to reinstall the shower and other items in this bathroom, I have gone upstairs to my master bathroom and noticed my shower head shows some peeling on the chrome head and the knob on my shower which is a crystal like lucite has some small defects, so once again I will contact Michael and ask for his help. I am sure he will once again prove the old adage "You Get What You Pay For." So I would recommend that before you go to Home Depot or Lowes, think hard and fast and check out the Grohe line of bath and kitchen items and spend a bit more (or a lot more) and enjoy every day you use you sinks, baths or showers and you will never purchase any one of those rip off extended warranties the stores try to sell you. There is no need to do so with a Grohe product, because this company will take care of you for your lifetime on any one of their products, no matter what goes wrong.

By the way, I asked a bit more about their Limited Lifetime Warranty. Michael explained that it covers the original owner of the product only. If you sell your home, then the Warranty on those installed items is no longer in effect. Glad I decided to continue to upgrade my home over the years and keep it current, nice to know that their are still companies that value their customers and stand behind their products. Kudos to Grohe and their staff for a job well done.

Visit their web site and find a dealer near you.

Special Thanks to Paul Stewart at Richmond Tile, visit their showroom in Staten Island, New York or their web site at: http://richmondtile.com/

International Customer Support
Grohe Americas
Tel: 630 582 7711
Fax: 630 872 5669

Letter To Imperial Healthcare - Neptune , NJ

With the passing of my father, I wrote a letter of appreciation to the people that took care of him during the last 4 weeks of his life. The following is a letter sent to their administrator and one I felt compelled to write.
====================================================================

May 29, 2007

Mr. Josh Bambergers
Administrator
Imperial Healthcare
919 Green Grove Road
Neptune, NJ 07753

Dear Josh;

I wanted to take this opportunity to thank you and your caring and efficient staff for taking care of my father Julius Rapoport during his short stay in your facility.

As you know, my father at 93 years of age, came to Imperial only a few short weeks before he passed. His congestive heart failure and other physical and mental issues made living in assisted living impossible and his rapid decline made it even more important to have him in a care facility that could keep a keen eye on him. Although we have discussed the hallway near the nurses station as not one of the best solutions, I have to admit, that this temporary fix was one that kept dad in the eyes of your wonderful staff at all times.

It is hard for any family to have to say good bye to a loved one and both Compassionate Care Hospice and Imperial Healthcare helped the Rapoport family get through a very hard time. I can say with conviction that I have never met a more caring and warm group of professionals in all the years I have taken care of my father.

Although I hate to name individuals for fear of missing a few names, I can’t help to mention the exceptional support from Ben ( I felt he was family), Maria, Izzy, Yanni (not the famous singer, but the beautiful aide), Suzanne, Barbara, Robin and all the others, my heartfelt thanks to all of you for not only a job well done, but for your sincere kindness during a difficult time for our family.

In a world that is often motivated by money and greed, it is rare to find people that love what they do and love the people they do it for. I am not sure I could be as noble as your staff, nor be able to meet the many challenges they have to deal with each day.

My father kept his sense of humor to the end and told me how wonderful the staff was to him. I know he blew kisses to some of the aides and Yanni must have received some kisses on the cheek from dad, it was his way of thanking them for their care and kindness.

I hope to visit in the next few days to say thank you once again in person. In the meantime, please feel free to use this letter as one of recommendation to anyone considering a long or short term care facility for a loved one.

Sincerely,



Len Rapoport

President

On The Passing Of My Grandfather

On The Passing Of My Grandfather

By Andrew Rapoport - 3/22/2007

My grandfather was a great man. More than anything, he cherished and cared for his family. He left behind a family tree that he often told me he was very, very proud of.

In the last few weeks he was awake, it was apparent that my grandfather's defining quality was likeability and his sense of humor. He defined the quality that we all refer to when we talk about what it means to be a Rapoport. It’s that likeability and sense of humor that we possess that makes us different from any others. He also instilled that natural work ethic and sales ability that so many of us received.

So I cry tears of pride and respect today but I try not to cry tears of sadness.

When I think about the fact that Grandpa was married to the same woman for over 50 years, raised 3 successful sons and had 9 grandchildren. After Grandma left us, he was lucky enough to spend over 15 years with his wonderful young love Arnel (she is 93 years young). When I consider that he was always committed to his relationships and supported his family, when I realize that for most of his life, he was healthy and happy and able to participate; when I remember him, I remember him as a funny but shrewd man, with a voice of wisdom;

I cry tears of admiration and I try not to cry tears of sadness, because tears of sadness aren't befitting of the memory of my Grandfather.

Just as his life wasn't sad, his death isn’t a tragedy. He can finally be at peace because I know that his young mind made it hard for him to endure the last years of his life. It’s rare a man lives a full enough life so that even others can look back upon his legacy and beam with positivity and smiles.

Join me today, not in tears of sadness, but in tears of celebration of a life well lived.

Grandpa we’ll miss and love you and will never forget the great memories we have.

My Father, A Man Of Great Strength

Eulogy for My Father

Julius Rapoport

Born 3/14/1916 - Died 5/19/2007

Once again, I stand before my mothers grave now to have her beloved husband, my father, join her in these hallowed grounds.

Not being a religious family, we were however one that cherished many of the Jewish traditions. Although dad was never given a formal hebrew education, nor did many of us, I am sure we often wonder if there really is a life after death.

I want to share a story with you that some of you have heard before. When mom was buried here 8 years ago, I was driving dad back to the Airport. We were on the Garden State Parkway (I remember the exact spot) and we were very distressed and crying in the car talking about mom. I explained to dad that I knew that mom was indeed watching over us and that we should take comfort in knowing that. At that very moment a car swerved in front of us and I noticed the license plate on the car began with the letters FAY [my mother's name].

I was in disbelief and showed dad the car and exclaimed that this was surely a sign that mom was in fact looking at us now and would take care of us. Now for a family that never practiced or even believed in organized religion, this was a sign that there are some things we just can’t understand or explain and just maybe their is another world we all go to when we transition from this one.

In 1931 when dad was 17 years old he made mom’s sweet sixteen party. Mom was his first and only love while they were married and he was truly devoted to her and our family. Of course he was a hard man at times, but we understood this and probably learned much from his strength. After all his child hood was not an easy one. He lost his older brother Freddie when he was very young due to a horse and carriage accident. He watched his father who owned a successful millinery business go out of business and struggle to support his family during the great depression. The Rapoport’s didn’t have much and Ruby [my father's older brother] and dad shared a bed each night while aunt Rose [his younger sister] had her own in the little bungalow they lived in in Coney Island in the 30’s and 40’s. They didn’t have enough food for the table and they used to tell me that bubby Mollie would say to them in Yiddish (when they would grab for some meat on the table) to “Eat Bread, Don’t Stuff Yourself On The Meat”.

Our generation can’t imagine how hard it was for a family to survive, but this is what the Rapoport’s had to endure growing up. So we wonder why they were tough when they had to be. They were all hard workers with a strong family bond and love and ones that never took a dollar for granted. Some may say, dad was a penny pincher, or a man that never liked to spend money and I would agree, he was. Unfortunately this condition was out of his control and was a result of a hard child hood. He knew the value of earning an honest living and even sold confetti during the Coney Island parades each summer to feed his family. Later he would pack up his car, taking out the rear seat to have more space for merchandise and drive two hours to the Farmers Markets in Long Island. He would set up a few tables with his own hand painted signs and sell women’s and children’s clothing that he got from Kiev and Rose’s dry goods store. Alan [my older brother who passed away at age 60] and I ended up going with him on many of those trips and we sold comic books we got from his uncle Lou’s candy store. I will always remember when we arrived home very late at night and my father would throw a big bundle of bills on the table and mom would count how much he made that day. This was exciting times for us and I will never forget them.

Although as a young man he worked as a salesman for a paper distributor selling the local bakeries and stores their wrapping paper or other paper needs, he still gave us a rich child hood. Living in Coney Island, walking to the beach in the summers and enjoying all the rides at Steeplechase Amusement Park was indeed a child’s dream. We never had to go away to summer camp, our lives in Coney Island were better then any camp could ever be and we all ended up working on the Boardwalk each summer. I worked at Shatzkin’s Knishes and Alan worked at the nearby Skee Ball arcade. Alan always gave me free games and extra tickets for prizes they had in their showcase.

Dad was a shy man, a man that didn’t like to go out much and socialize. Mom would be the one to force him out and encourage him to enjoy others. My fathers best friends were his family. His brother Ruby and his wife Yetta and his baby sister Rose and her husband Kieve and all the children in our families. It was all about family in the early days when we were kids growing up in Coney Island. We spent the weekends with our cousins and family. We slept over each others houses, we stayed home and enjoyed the beach and boardwalk in Coney Island or we went away for the summer to the bungalow colonies in the Catskills or to Lake George to spend a few weeks on a real farm. Our family was one extended family and we did everything together.

Dad loved to entertain and invite company to our home. He would take great joy in preparing platters of food and we always had company in our home. We certainly weren’t rich, but dad was a good provider, we had what we needed. When we were old enough to get a work permit, we worked on the board walk in Coney Island and the money we earned was ours to use for our own own needs.


I remember when mom’s, mother, Grandma Dora took illl and couldn’t live alone in Coney Island, my father offered to take her into our home on Avenue P. He was a good father, husband and son-in-law. He would even bail out my uncle Mike who had a tendency to always gamble and get into trouble with the shylocks [illegal money lenders]. I remember my father on the phone with him late at night offering him the cash he needed to stay out of trouble.

We enjoyed a wonderful adult life with mom and dad too. We spent so many happy days in their small home on Ave. P and then when they decided to move to Florida, we spent many cold winters at their home in Tamarac. Dad was a devoted and loyal husband. When mom got sick and her Alzheimer’s became so bad that she was a danger to herself and dad, he finally agreed it was time to send her to a home. I am sure this was the most difficult decision in his life. It was the realization that he would now lose his wife and best friend of over 70 years and it was heartbreaking for him. He did not give up on mom and made sure to visit her every day and bring her something to eat. He often told me that it was important to come each day not only for mom, who at that time didn’t even recognize him, but to let the care givers in those homes know that she did have family that cared about her and would be there each day to check on her.

He would point to all the other listless souls in the room and say to me, these are the forgotten ones, who’s family is up north and don’t come to visit. You now understand why I am here every day. He befriended all the staff and they took care of mom as if she was family. He taught me the importance of being a care giver for a loved one and it was his example that I followed all these years in taking care of dad.

He also met his second great love, Arnell at mom’s nursing home. Arnell was the activities director and would help mom in her exercise classes and keep her mind working as long as she could. She would share stories about mom with me and Arnell soon became the closest of friends and a member of our family. It was this 16 year friendship that I am sure, helped dad live as long as he has. Arnell became his most important contact with the outside world. She became dad’s care giver too and took him to the doctor’s when he had an appointment and offered him the love and companionship that gave him a reason to live.

When mom died after suffering for 8 years with Alzheimer’s it still tore him apart even though he had expected it. Then Alan died shortly after mom and this was the moment that he began to decline in his mental and physical health. Although he was shy, he was a man with great dignity and independence. It killed him to have to depend on anyone to help him do the simple tasks like zipping up his jacket or putting on a seat belt in the car, he wanted to do it himself. “I can do it, I am not a child” he would yell at me. Each time I would ask him how he was doing he would tell me he was O.K. I would ask if he thought he needed to go to assisted living and he said he would tell me when he did. He never did...the same when he was failing and couldn't lift himself out of a chair or bed when I asked if I could move him to a long term care facility and he once again told me...I will let you know when I am ready. He wanted his independence, his dignity and his strength, but these things could no longer be his.

If we were asked to define his life, it would be simply a loving father, a loyal husband and a good friend. He was a man that thought about his family right to the end. He told me many times that he didn’t want to ever be a burden to me. Imagine, he felt guilty about me visiting him or taking him to the doctors. He used to tell me not to visit him so often and that he understood I had a life too. I always told him I didn’t think it was a burden and I did it because I loved him. He kept telling me it was hard getting old and that he would never have imagined living this long. He was tired with the stuggle of these past few years, fighting his heart failure and other medical and physical issues, but never once wanted to be a burden and told me over and over how he loved me and didn’t know what he would have done without me. This is what kept me going when I thought I didn’t have any strength left to give him.

He gave me more then I gave him with his love, support and sage advice. I always felt better after discussing my problems with dad, he knew how to cheer me up and get me back on track. I could talk to him about anything and he listened with concern. He never stopped being my father, right to the end, when he reminded me I was getting too fat. He loved Gladys too and always told me how lucky I was to have her. He thought she was so beautiful and told her this each time he saw her when we went to visit him. He loved his grand children and some years ago told me not to wait to give the children a gift on his death. He said they might need it now and instructed me to send a check to each one of them, no matter how well they were doing financially, this was going to be a gift from their grand father.

He was a charmer to be sure and all the nurses in all the homes he lived in these past few years always told me that “Your father is such a nice man, a true gentleman”. Even at the very end, we saw him blow kisses to the aides and nurses at the nursing home and told me how kind they were to him. He looked at photos of him and mom when they were younger and kept telling me what a beautiful and wonderful woman she was. In his last days, the hardest days for him and us, even in a semiconscious state he still kept his sense of humor.

When Arnell arrived, he was slumped over in his chair and she called to him, Julie, Julie, wake up, I am here. With eyes still shut, he took his weak and discolored hand, put his thumb between his two fingers and wiggled it at her. You know, the gesture he used to do when he said, I got your nose. On one of his last remaining days, he suddenly awoke to see Arnell standing over him and he grabbed her and kissed her. He knew we were there for him even if he seemed to be unconscious.

I only wish this gentle man will now be able to join mom, Alan and all of our other friends and family and enjoy a new life, one without pain and suffering.

Dad please watch over us all and protect us as you did during your life, Rest in Peace Dad, I love you.