Thursday September 17, 2015 firstname.lastname@example.org
A COPY OF A LETTER I SENT TO SEVERAL GOVERNMENTAL TOP DOGS (ALSO GOV. SCOTT)
AS WELL AS THE FLORIDA BOARD OF DENTISTRY. i COULD JUST AS WELL HAVE SENT IT
TO SANTA CLAUS!!!
Francis T. Sganga
2506 Sunset Drive
New Smyrna Beach, FL 32168-5852
September 14, 2015
I am a 94 year-old frustrated WW II veteran who is seeking justice re the situation described
below that the Department of Agriculture and Consumer Affairs, via Kyle Garner, Kyle Garner,
Regulatory Specialist 111, was unable to resolve that involved only two visits to the Coast
Dental clinic that cost me more than $2,000.
The ploy used by Coast Dental seems to be the New American Way for businesses, especially
Corporations in our deteriorating country where justice is becoming harder and harder to
come by. It’s now: GREED!
One of the other things that led me to the clinic was that Humana paid for one of the two
extractions. Henceforth, I will gladly pay a private, non-corporate dentist no matter what
the cost. I switched from United Health Care to Humana because I didn’t have to pay any premiums, and they paid for my membership at the YMCA. Big mistake!
My wife and I became suspicious of their greed, when, as we were leaving after our first visit, they thrust an electric rotary tooth brush into my hands without asking if I had one or wanted one. After arriving home, I noticed the price was @$100 I took it back on my next visit telling them I didn’t want it and they made another “credit adjustment.”
The only reason I went to Coast Dental is that they are associated with Humana, of which I am a member. Frustrated, I’ve written to Coast Dental headquarters in Tampa and to Humana. letting them know I believed they are inadvertently participating in this scam! Neither responded.
Their Modus Operandi
1. They will lure you into their clinic by offering free examinations & x-rays.
2. They will present you with a “proposal” listing defects that they say require
treatment, and the costs.
3. In all probability,, it will start out being very costly. (Mine began as $11,717.75,
which I whittled down to just over $2000.)
4. Not to worry. They will set you up with a loan with a bank (Synchrony Bank in my
case ) with “easy payments” designed to “ease the pain” that, in my case was for two years.
5. The bank also charges interest per month.
6. I was given a contract to sign just before treatment. Of course I signed it. I tend to
trust people in the Health Care business, and as in the case, just before having a serious
operation, what else can you do?
7. After completing the treatment and making my first bank payment, I received a
bill for $57 – twice after ignoring the first one. I confronted them, and, of
course, they said they made a “mistake” and made a “credit adjustment.” To me,
this was attempted theft. If I were caught shoplifting a $57 watch at Walmart’s,
I’d be arrested, cuffed and hauled off to jail. They, on the other hand, “have
a license to steal.”
8. While confronting them re the $57 charge, I asked the clerk to explain some of the
charges listed on THREE pages, single-spaced sheets of paper, and she wrote
on the top of the first page: Deep Cleaning ==> $1149.40! I couldn’t believe it,
9. The “deep cleaning” procedure only took ½ an hour. It caused a painful infection
after the third week. Not trusting Coast Dental, I went to my wife’s dentist, showed
him the three sheets of procedures, he gasped at the charges, x-rayed the infected
area, and feeling sorry for me, didn’t charge me for the visit. He gave me a
prescription that cured the painful infection in a week. After checking me out
on a subsequent visit, and taking more x-rays, he only charged me $16.
(I called their office asking what they charged for a “deep cleaning”, and was
told it would take 2-4 treatments that would cost between $400 and $500, including
Novocain shots to deaden the areas, which Coast Dental failed to do for me causing
me to endure a lot of pain.
The lady who did the ½ hour treatment was in a hurry to pick up her child at school,
at my painful expense)
10. I filed a formal, well-documented complaint with the state’s DEPARTMENT OF
AGRICULTURE AND CONSUMER SERVICES. Kyle Garner, Regulatory Specialist 111 in the
department, sent my complaint to Coast Dental giving them a deadline to respond..
They did, REFUSING TO DO SO!. Ha! I thought, guilty as charged!
11. To my dismay, Kyle Garner wrote to me saying that’s all they could do, that
I would have to
hire a lawyer (at $250 an hour!) or take Coast Dental to SMALL CLAIMS COURT.
Well, it once cost me $250 to take a crooked mechanic to court, I was awarded
$500, and to this day, 15 years later, he hasn’t paid me a dime.
What is distressing about the situation is that there may be thousands of poor
and elderly people being scammed as I have been, and there is nothing that can
be done about it based upon the way my efforts for fair play have been thwarted.
I even sent my complaint to the State Attorney’s office and never got the courtesy
of a reply, nor was the Florida Board of Dentistry a help.
Lastly, I believe other corporate dental clinics (Aspen, Sage, etc.) may have the
same modus operandi since I had a similar experience at the Aspen clinic where I
refused to pay their exorbitant charges. I now realize why all of the above
happened. It was a clever way to be able to pay the executives of the corporations
handsome salaries at the expense of gullible patients like myself.
The Top Pit Bull
Dr. Gwendolyn Ann Traylor
1119 So. Dixie Freeway
New Smyrna Beach, FL 32168
THE AMERICAN BUSINESS APPROACH
1. lURE CUSTOMERS WITH FREEBIES
2. TRAP THEM INTO SIGNING CONTRACTS TOO LONG AND COMPLICATED TO READ
3. SCREW THEM GOOD!!!
One More of Frank Sganga’s Parting Thoughts
Being on a tightrope is living;
everything else is waiting.
Eckhart Toll wrote a hugely popular, best-selling book, The Power of Now, which owes
its success to its being promoted by Oprah Winfrey on her TV show. To my mind,
The Power of the Future is where it’s at because the Future is where Hope resides.
Most of my days are uneventful, and some of them suck. So, it’s being able to look
forward to a better tomorrow that encourages me to accept the humdrum todays as I
wait for something to happen that brightens my life and makes it worth living.
This is one of the reasons I spend so much of my time thinking and writing. Tolle
says “Not being able to stop thinking is a terrible affliction.” Not to my mind.
I enjoy rummaging through my mind; it’s the source of my creativity, and responsible
for my having written 11 books after turning 90. Sure, it sometimes regurgitates
unpleasant memories, but I quickly tell it, “Don’t go there!,” deliberately replacing
the unwanted thoughts with pleasant ones.
During most of my teenage years, our family of nine was on welfare. As the oldest child,
I was obliged to stand in long lines for free food. It embarrassed me so I vowed that I
would do all I could to make as much money as possible when I became an adult. The Now
was tolerated because there was Hope waiting in the wings to ease the pain of poverty.
We all constantly look forward to better tomorrows. Parents want their kids to do better
than they are doing. I Hope at least one of my books becomes a best seller. It may not
happen, but it gives me something to look forward to, like finally honeymooning with
someone you dearly love after tying the knot.
Life consists of innumerable Peaks and Valleys. The pleasures we enjoy when we are at
the top of a mountain observing the glory of our natural surroundings are the moments
that make life worth living. And, when we are down in the valley, we can always look
at the top of the mountain and plan for ways to get there. It’s all in our Minds and
how we get them to view the wonderful, God-given world we live in. I always keep in
mind what English poet John Milton said in Paradise Lost:
“The mind is its own place,
and in itself
can make a heaven of hell,
a hell of heaven.”
Francis T. Sganga
2506 Sunset Drive
New Smyrna Beach, FL 32168-5852
October 1, 2015
490 E. South Street
Orlando, FL 32801
Dear Mr. Keyes:
The enclosed documents reveal an insidious tactic employed by corporate-controlled
dental clinics that, nationwide, involve the fleecing of mostly poor people and the
elderly who are victims of a governmental system that precludes their being able to
get help or to defend themselves.
I am one of the those victims, and I have sought justice by contacting several agencies,
including the governor’s office, to no avail. The bottom line: There are no avenues in
our state that have the authority to hold corporate dental clinics accountable for their
unethical and illicit shenanigans, not even Florida’s Board of Dentistry.
There are millions of dollars being made by corporate dental clinics at the expense of
thousands of people like myself. Even if the clinics cannot be brought to justice, the
least you can do as a public service is to warn people about the pitfalls they may
encounter by going to clinics run by unscrupulous dentists.
Francis T. Sganga
THUS CARE-LESS WORLD AND I
I woke to the World
and it said to me,
“Son you were made
from my debris.
Now it’s sink or swim
like all the rest
it’s up to you
to pass the test.”
I looked at the World
and it looked right back,
it seemed impossible
a thing to crack.
How small am I
in so vast a Universe
that confounds the brain
and what’s even worse.
It’s cold and care less
about its kin,
who must make their way
as best they can.
Then I pondered the World
thinking should I be,
just another man,
like a fish in the sea?
That flow with the tides
and swim in schools
thinking loner fish
to be such fools.
“No!” said I
to this other me,
I cannot be
like fish in the sea!”
My Soul rebels,
I know not why,
I’ve got to find,
this other “I.”
I studied books,
I questioned all,
“What’s my role in life,
will I hear my call?”
No answer came
for too many years
while my fruitless search
merely raised more fears.
Could Life be such
that one never knows
what’s best in life
for him to do?
Yet, as I searched
and as I thought,
unknown to me
came the thing I sought.
“Thank God!” I said,
I found my way
for I could not stand
Not knowing the thing
that I must do.
For though the World is cold
and could care less too
this does not hold
for me and you.
Official Review: A Heartfelt Thank You to My Intelligent Designer.
by Vanessa 07 Sep 2015
[Following is the official OnlineBookClub.org review of ”
A Heartfelt Thank You to My Intelligent Designer
“I became increasingly aware of the awesomeness and majesty of our Universe,
and the miraculous existence of the millions of fauna and flora spread out
across the vast expanse of our home planet, Earth.”
A Heart-felt Thank You to My Intelligent Designer – All about the Wonders,
Mysteries and Miracles in Life by Francis T. Sganga is an inspiring and
eye-opening book about the miracles and gifts from the Creator. This non-fiction
book discusses the controversial topic of creation from both a scientific and
religious point of view. Readers embark on a journey of realization that opens
one’s eyes to the blessings and beauty of life. This science teacher’s insightful
opinions will allow readers to gain a higher appreciation for the things we often
take for granted.
Francis T. Sganga is a 94 year old man from Brooklyn New York. He spent three and
a half years serving the army in World War II but now spends his days playing
competitive raquetball three times a week and rides a Silver Star motorcycle.
Saganga has dedicated most of his adult life to helping and teaching young children
and adults. After several years of working as a chemistry and physics teacher, he
went on to open his own learning center where he tutored students of all ages,
including teachers, in science and mathematics.
A Heart-felt Thank You to My Intelligent Designer is an uplifting novel discussing
the miracles of life and the 5 senses, the power of words and music, and the value
of your individual opinions and pleasures.
This empowering story teaches readers the miracle of life. The author explains his
experience within a classroom witnessing the growth of a chick in an egg. He goes
on to explain that he believes that it is a beautiful miracle how a small fertilized
egg the size of a dot can turn into a baby chick in only 21 days. Sganga also shows
great appreciation to the 5 senses. He shines light on the value of the under
appreciated senses by challenging readers to go without them for a certain amount of
time. After attempting to walk around my house with my eyes closed, Sganga has helped
me develop a overwhelming gratitude to sight. Another large topic the author discusses
in his book is the necessity for individuality and pleasures. Without the senses,
humans would not be able to survive, but without pleasure, the enjoyment of life
could not be fulfilled.
I thoroughly enjoyed the introduction to the book. I felt as though the author was
speaking to the reader as though they were a friend he had known for years. I also
really enjoyed the scientific insight the author brought to the book. There were
many diagrams and pictures the author added to ensure readers understood what he
was discussing. Though, I did not enjoy how many times the author wrote “Google it”
in his work. I feel as though he could have expanded more on the subject rather than
encouraging readers to put their reading to a halt and use Google to understand the topic.
I give this book a rating of 4 out of 4 stars. I feel that the book was very inspiring
and encouraging. This novel allows readers to think about questions regarding creation
and teach them to live each day as though it is their last. Each chapter introduced a
new topic and a new idea to think about. A good book leaves readers thinking, and I believe
that this novel did a great job at getting readers to think outside the box.
A Heartfelt Thank You to My Intelligent Designer
View: on Bookshelves | on Amazon
Monday evening September 28, 2015 email@example.com
Richer than I you can never be
for I had a mother who read to me.
Reading, Curiosity and Questioning are
the surest paths to Intelligence and Wisdom.
A great way to bond with your child, to increase their knowledge and understanding
and to help them succeed in school and life, is to read a good book with them just
before they go to sleep. A bonus will be peace of mind because the stories you read
to them will erase away the cares of the day.
I wrote a children’s book that I would be happy to email you free of charge. You
can check it out out Amazon’s Kindle store. Its title:
Words of Wisdom for Children.
Sunday evening September 27, 2015 firstname.lastname@example.org
We watched a great movie last nite – WORDS AND PICTURES. I was pleasantly surprised that
Hollywood would produce a movie that provokes THINKING, and was pleased with the happy ending.
It was an example of the saying that:
A good book and a good movie are those that make you THINK.
In this one two professors, one male and one female, go to “war” to prove that “words”
are more powerful than “pictures.” To my mind they are complementary. A good writer
“paints a picture” using words. In all 11 of my Kindle ebooks, I use lots of pictures
to further illustrate what I am saying using words.
One powerful example: In discussing the POWER of words, I refer to the fact the Jesus
was killed because of the WORDS He used, and I have a PICTURE of Him cruelly nailed
to a cross.
Saturday Evening September 26, 2015 email@example.com
This is from my Kindle ebook HUMANISTS VS. HUMANOIDS -The eternal struggle between
good and evil. It’s why I am fighting the Coast Dental clinic (esp. Humanoid
“Dr.” Gwendolyn Ann Traylor who is responsible for my being financially ripped off
and subjected to unnecessary pain!):
Youths of the World,
SOME PERTINENT QUOTES
“Throughout history, it has been the inaction of those who could have acted;
the indifference of those who should have known better; the silence of the
voice of justice when it mattered most; that has made it possible for Evil
“The world is a dangerous place to live; not because of the people who are Evil,
but because of the people who don’t do anything about it.”
“Bullies may be the perpetrators of evil, but it is the Evil of passivity of all
those who know what is happening and never intervene that perpetuates such abuse.”
Friday September 25, 2015 firstname.lastname@example.org
Re my losing battle with Coast Dental. I sent a letter of complaint to Gov. Scott and
got this reply from Martha Lynn, Office of Citizen Services, Executive Office of the Governor:
“Although we appreciate your concerns and your best source of assistance is to contact
Commissioner Putnam’s Office directly.”
I then sent this letter to her today:
Dear Ms. Lynn:
I followed your advice to no avail and was told:
“We are an informal mediation process and cannot force a business to take any action” You’ll
have to take them to court.”
(Sure! Anyone know a lawyer who will represent me for $1 an hour?)
I strongly believe we taxpaying citizen’s have a right to be protected and defended
against unscrupulous businesses who rip us off with impunity. What should be done is
to pass legislation
giving the Department of Agriculture and Consumer Services power to fine companies
that refuse to arbitrate with complaining citizens as Coast Dental did in my case.
Since Governor Scott is an ex-businessman, I doubt that my suggestion will become a
reality, but I tend to follow the saying that “nothing ventured, nothing gained.”
Last week I sent my complaint to Consumer Financial Protection Bureau in Iowa, and
have yet to hear from them.
I shall not give up seeking justice until I have exhausted all of my options. I will
keep posting my concerns on Face Book and my website. I am following the admonition of
St. James who said:
“Whoever knows what is right to do and fails to do it, for him it is a sin.”
A sincere frustrated taxpayer,
Francis T. Sganga
Stay tuned. I have just begun to fight!!!
Afterthought: Anybody willing to make a contribution to my taking them to court? I sure would
relish doing it!!! We live check to check and can’t afford to do it.
September 24, 2015
Greetings from: email@example.com:
Beware of this business tactic. They will…
1. Lure you into their trap with “freebies.”
(such as “Free x-rays and an examination” by
2. Con you into signing a contract before they will treat you.
3. They will screw you financially. Two visits to the Coast Dental clinic
( a corporation with 25 clinics in Florida alone) cost me more than $2000
including a “deep cleaning” (1/2 an hour) that cost me $1,149.40. I didn’t
have that much cash, but not to worry. They engineered a loan for me at
Synchrony bank with easy payments over a period of two years!
Well, I tried these ways to nail them, including filing a well-documented
1. The Governor
2. The State Attorney (No replay)
3. The Florida Board of Dentistry
4. The Florida Health Department
5. Channel 9 investigative reporters (No reply)
6. To the Dentist: Dr. Gwendolyn Ann Traylor at 1119 So. Dixie Freeway,
New Smyrna Beach,
FL 32168 with a note telling he “If she you aware or condone what I have
accused you of in my complaint, I don’t know how you can live with yourself.” (No reply.)
7. AARP (No reply.)
8. Coast Dental Clinic headquarters in Tampa (No reply)
9. My Humana agent. (No reply)
10. The Department of Agriculture and Consumer Affairs, who told me
they had “no teeth,” and I would have to take the thieves to court
at my own expense.
The bottom line? If you seek justice as a ripped-off taxpayer, you’ll
find it under “j” in the dictionary!!! Obviously, The System” is rigged
against us. Corporations run the State and our Nation via their unlimited
contributions (BRIBES!) to politicians’ campaigns.
I hate to admit that I’ve unwittingly been there, which proves “A sucker
is born every minute.” It happened when I needed some dental work and went
to a the Coast Dental clinic associated with Humana, my medical insurance
company, where I was ripped off “real good!”
And, the worst part is that there is nothing you can do about it except
taking them to court at you own expense understanding that good lawyer
charges about $250 an hour.
For a copy of my documented complaint, email me: firstname.lastname@example.org
I don’t really expect any responses.
I’m just using this opportunity to VENT!!!
Monday Evening September 21, 2015 email@example.com
From my book: A Heartfelt Thank You to My Intelligent Designer
Since you are reading this book, I presume you enjoy reading. I do. Lots of it.
This is why:
Except for a living man there is nothing
more wonderful than a book!
A message to us from the dead –
from human souls we never saw,
who lived perhaps thousands of miles away.
And yet these, in those little sheets of paper,
speak to us, arouse us, terrify us, teach us,
comfort us, open their hearts to us as brothers.