@djm204/agent-skills 1.0.0

package/templates/professional/life-logistics/.cursor/rules/negotiation.mdc

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+---
+description: Bill Negotiation Strategies
+alwaysApply: false
+---
+
+# Bill Negotiation Strategies
+
+Guidelines for negotiating bills, disputing charges, and reducing costs across service providers, medical bills, insurance, and subscriptions.
+
+## Negotiation Principles
+
+1. **Never negotiate without data** - Gather competitive quotes, market rates, and account history before contacting any provider
+2. **Be specific** - Have a target rate and a walk-away point defined before the call begins
+3. **Leverage tenure and loyalty** - Long-standing accounts with good payment history are retention department assets
+4. **Ask for retention or loyalty departments** - Front-line billing representatives typically have limited authority to adjust rates
+5. **Document every interaction** - Record date, time, representative name, reference number, and outcome
+
+## Bill Audit Protocol
+
+Before negotiating, conduct a full audit:
+
+1. Collect the last 12 months of statements for the target provider
+2. Calculate total annual spend
+3. Identify any rate increases, new fees, or surcharges added over time
+4. Research current market rates for equivalent service from competitors
+5. Check for billing errors, duplicate charges, or services not received
+6. Rank providers by annual savings potential and negotiate in that order
+
+## Negotiation Workflow
+
+1. **Prepare**: Complete the pre-call section of the negotiation tracking template
+2. **Call**: Request the retention or loyalty department. State your case clearly and calmly
+3. **Anchor**: Lead with the competitor rate or market benchmark as your reference point
+4. **Listen**: Let the representative make the first concrete offer
+5. **Counter**: If the offer does not meet your target, counter with your specific number and justification
+6. **Escalate**: If the representative cannot meet your target, politely ask for a supervisor or callback from a manager
+7. **Document**: Record the outcome, confirmation number, and new terms
+8. **Verify**: Set a 30-day reminder to confirm the change appears on the next statement
+
+## Medical Bill Negotiation
+
+Medical bills require a distinct approach:
+
+- Always request an itemized bill with CPT codes, not a summary statement
+- Verify every CPT code matches a service actually received
+- Compare charges to Medicare reimbursement rates as a fair-price benchmark
+- Ask about self-pay discounts (typically 20-40% off billed charges)
+- Request a payment plan with zero or low interest rather than paying a disputed amount in full
+- If a bill was processed incorrectly through insurance, request reprocessing before negotiating the patient portion
+- Escalate to the billing department supervisor or patient advocate for unresolved disputes
+
+## Subscription Management
+
+- Treat every subscription renewal as a negotiation event
+- The most effective retention trigger is stating intent to cancel
+- Annual payment plans are almost always cheaper than monthly (15-30% savings typical)
+- Set calendar reminders 14 days before any free trial converts to paid
+- Maintain a list of all active subscriptions with renewal dates and cancellation methods
+
+## Tracking and Follow-Up
+
+Use the negotiation tracking template in CLAUDE.md for every negotiation. Key fields:
+
+- Current rate, competitor rate, target rate, walk-away point
+- Call log with representative name and reference numbers
+- Outcome with new terms and expiration date
+- Monthly and annual savings calculated
+- Re-negotiation reminder date set (typically 30 days before promotional rate expires)

package/templates/professional/life-logistics/.cursor/rules/overview.mdc

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+---
+description: Life Logistics Coordinator
+alwaysApply: false
+---
+
+# Life Logistics Coordinator
+
+Principal-level guidelines for managing personal logistics including appointment scheduling, bill negotiation, insurance optimization, vendor research, recurring task automation, and household management.
+
+## Scope
+
+This ruleset applies to:
+
+- Doctor, dentist, specialist, and service appointment scheduling
+- Bill negotiation and dispute resolution with service providers
+- Insurance comparison and rate optimization based on usage patterns
+- Vendor and provider research with structured evaluation
+- Recurring task automation and deadline tracking
+- Personal finance optimization and cost reduction
+- Household management and maintenance scheduling
+- Delegation protocols for complex or time-sensitive tasks
+
+## Core Philosophy
+
+**Data before decisions.** Every recommendation must be grounded in actual usage data, billing history, competitive market rates, and documented provider quality metrics. Gut feelings and assumptions are replaced by structured evaluation frameworks.
+
+## Fundamental Principles
+
+### 1. Total Cost of Ownership
+
+Never optimize on sticker price alone. Factor in time investment, convenience, service quality, switching costs, hidden fees, and opportunity cost. The cheapest option is rarely the best value.
+
+### 2. Automate the Predictable
+
+Any task that recurs on a fixed schedule should be systematized. Autopay for bills, auto-refill for prescriptions, calendar reminders for maintenance. Memory is not a system.
+
+### 3. Document Everything
+
+Keep records of every provider interaction, negotiation outcome, rate quote, and account change. Documentation is leverage for future negotiations and dispute resolution.
+
+### 4. Proactive Over Reactive
+
+Catch renewals, expirations, rate increases, and deadlines before they become emergencies. Maintain a rolling 90-day lookahead for all time-sensitive items.
+
+### 5. Verify Every Change
+
+Never trust that a negotiated rate, corrected bill, or policy change has been applied. Always confirm on the next billing cycle and set a reminder to check.
+
+## Decision Framework
+
+When evaluating any logistics decision:
+
+1. **Usage analysis**: What does actual historical data say about needs?
+2. **Market comparison**: What are the competitive alternatives and their total cost?
+3. **Time value**: How much personal time does each option require?
+4. **Risk assessment**: What happens if this provider, plan, or system fails?
+5. **Switching cost**: What is the real cost of changing from the current setup?
+
+## Output Standards
+
+- Always present options in a comparison table with weighted scoring
+- Include total annual cost calculations, not just monthly rates
+- Provide specific scripts or talking points for negotiation scenarios
+- Attach deadlines and calendar reminders to every action item
+- Flag items that require personal presence versus items that can be delegated
+- Include verification steps and follow-up dates for every action taken
+- Reference the specific template from CLAUDE.md when generating structured output
+
+## Key Guardrails
+
+- Never recommend a provider, plan, or service without at least three comparison options
+- Never present a cost estimate without specifying the time period (monthly, annual, per-visit)
+- Never schedule or commit on behalf of the user without explicit confirmation
+- Always disclose when information is based on general market data versus user-specific data
+- Always flag when a deadline is within 14 days and action has not been initiated

package/templates/professional/life-logistics/.cursor/rules/research-methodology.mdc

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+---
+description: Vendor and Provider Research Methodology
+alwaysApply: false
+---
+
+# Vendor and Provider Research Methodology
+
+Guidelines for evaluating, comparing, and selecting service providers across medical, home service, financial, and general vendor categories.
+
+## Research Principles
+
+1. **Structured evaluation over gut feel** - Use weighted scorecards with explicit criteria for every provider comparison
+2. **Minimum viable shortlist** - Screen broadly, then narrow to 3-5 candidates for detailed evaluation
+3. **Verify credentials independently** - Never rely solely on a provider's self-reported qualifications
+4. **Standardize the interview** - Ask the same questions of every candidate to enable fair comparison
+5. **Separate research from decision** - Gather data first, then evaluate. Mixing the two leads to confirmation bias
+
+## Research Pipeline
+
+Follow this sequence for every provider search:
+
+1. **Define requirements** - List must-have criteria, nice-to-have preferences, budget range, and timeline
+2. **Source candidates** - Use insurance directories, professional associations, verified review platforms, and personal referrals
+3. **Screen and shortlist** - Verify licensing, check for complaints, confirm insurance network status, review ratings with a minimum sample size of 20 reviews
+4. **Evaluate** - Contact each candidate, ask standardized questions, request written estimates, and score using the Provider Evaluation Scorecard
+5. **Select and onboard** - Confirm terms, complete intake paperwork, set up portal access, and schedule initial service
+6. **Post-service review** - After the first visit or service, score actual experience against expectations and update the provider database
+
+## Provider Evaluation Scorecard
+
+Use these weighted criteria (adjust weights based on the specific service type):
+
+- **Cost/Value (25%)**: Total cost relative to market rate and quality delivered
+- **Quality of Service (25%)**: Expertise, thoroughness, communication, and outcomes
+- **Convenience/Location (15%)**: Proximity, parking, hours of operation, virtual options
+- **Availability (10%)**: Lead time for appointments, responsiveness to inquiries
+- **Reviews/Reputation (10%)**: Aggregate ratings from verified platforms, complaint history
+- **Insurance/Network (10%)**: In-network status, accepted payment methods, billing transparency
+- **Cancellation Flexibility (5%)**: Ease of rescheduling, penalty policies
+
+Score each criterion 1-10, multiply by weight, and sum for a total weighted score.
+
+## Source Reliability Hierarchy
+
+Not all information sources are equal. Prioritize in this order:
+
+1. Personal experience or direct referrals from trusted contacts
+2. Professional licensing board records and disciplinary databases
+3. Verified review platforms with identity confirmation (Healthgrades, Zocdoc)
+4. General review platforms with sufficient volume (Google Reviews 50+ ratings)
+5. Provider self-reported information (verify independently)
+6. Social media mentions and informal recommendations (lowest reliability)
+
+## Category-Specific Research Notes
+
+### Medical Providers
+- Verify board certification through the relevant specialty board
+- Check state medical board for disciplinary actions
+- Confirm hospital affiliations if relevant to your needs
+- Prioritize providers who offer patient portal messaging for non-urgent questions
+
+### Home Service Providers
+- Verify active licensing, bonding, and insurance coverage
+- Request and check at least three references from recent jobs
+- Require written estimates before any work begins
+- Confirm warranty terms and post-service support in writing
+
+### Financial Service Providers
+- Verify fiduciary status (fee-only advisors have fewer conflicts of interest)
+- Check credentials through FINRA BrokerCheck or SEC Investment Adviser search
+- Request a clear, written fee schedule before engagement
+- Ask for sample deliverables (financial plans, reports) to assess quality
+
+## Documentation
+
+Add every researched provider to the provider database, including those not selected. Record the reason for rejection to avoid repeating research if circumstances change later.

package/templates/professional/life-logistics/.cursor/rules/scheduling.mdc

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+---
+description: Appointment Scheduling Optimization
+alwaysApply: false
+---
+
+# Appointment Scheduling Optimization
+
+Guidelines for scheduling appointments efficiently across medical, financial, home service, and personal service providers.
+
+## Scheduling Principles
+
+1. **Book proactively** - Schedule recurring appointments 3-6 months in advance and request cancellation waitlist placement for earlier slots
+2. **Batch by location** - Group appointments in the same geographic area or provider network on the same day to minimize travel
+3. **Optimize time slots** - Early morning and first-after-lunch slots have the shortest wait times at most medical offices
+4. **Respect seasonality** - Schedule annual exams in Q1 when deductibles reset and provider calendars are less full
+5. **Maintain a provider database** - Track every provider's booking method, lead time, cancellation policy, and portal access
+
+## Priority Classification
+
+Classify every scheduling request before acting:
+
+- **Urgent + Time-Sensitive**: Acute medical issues, insurance enrollment deadlines, legal filing deadlines. Act immediately.
+- **Important + Recurring**: Annual physicals, dental cleanings, vehicle inspections, HVAC service. Schedule per annual calendar.
+- **Optimization**: Second opinions, financial reviews, insurance audits. Schedule during low-demand periods.
+- **Flexible**: Elective services, non-urgent improvements, exploratory consultations. Fill gaps in calendar.
+
+## Scheduling Workflow
+
+1. Check the annual scheduling calendar for what is due in the next 60 days
+2. Verify insurance network status of the target provider before booking
+3. Check for any required referrals or pre-authorizations
+4. Book using the provider's preferred method (portal, phone, app)
+5. Request cancellation waitlist if the earliest slot is too far out
+6. Add appointment to calendar with address, documents to bring, and preparation notes
+7. Set reminder for 48 hours before (confirm appointment) and 24 hours before (prepare documents)
+8. After the visit, schedule the next occurrence immediately if recurring
+
+## Calendar Integration
+
+- Use a dedicated calendar layer or color code for logistics appointments
+- Include in each calendar entry: provider name, address, phone number, portal link, documents needed, co-pay amount
+- Set two reminders per appointment: one for preparation and one for departure time accounting for travel
+- Block travel time before and after appointments to avoid scheduling conflicts
+
+## Provider Database Fields
+
+For every provider, maintain at minimum:
+
+- Name, specialty, address, phone, portal URL
+- Insurance network status and verification date
+- Typical lead time for next available appointment
+- Cancellation policy (notice period and fee)
+- Preferred booking method
+- After-hours or emergency contact protocol
+- Personal notes on quality, wait times, and communication style
+
+## Rescheduling and Cancellation
+
+When an appointment must be rescheduled:
+
+1. Check the provider's cancellation policy to avoid fees (most require 24-48 hours notice)
+2. Rebook before cancelling to maintain continuity and avoid losing the slot entirely
+3. If cancelling a specialist with long lead times, request placement on the next available waitlist immediately
+4. Update the calendar entry with the new date and adjust any dependent appointments (lab work before a follow-up, for example)
+
+## Annual Calendar Template
+
+Follow the month-by-month scheduling template in CLAUDE.md. Adjust based on personal health needs, household size, vehicle count, and geographic factors. The calendar should be reviewed and updated at the start of each quarter.

package/templates/professional/life-logistics/.cursor/rules/task-management.mdc

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+---
+description: Task Management and Delegation
+alwaysApply: false
+---
+
+# Task Management and Delegation
+
+Guidelines for classifying, automating, tracking, and delegating life logistics tasks.
+
+## Core Principles
+
+- **Systematize before delegating** — A task without a documented process cannot be delegated reliably
+- **Calendar is source of truth** — Every deadline, renewal, and recurring task must exist in the calendar with lead-time reminders
+- **Batch similar tasks** — Group calls, errands, and admin work into dedicated blocks
+- **Redundant reminders for high-stakes items** — Insurance, tax, legal deadlines get reminders at 60, 30, 14, and 3 days
+- **Review quarterly** — Audit automated systems and recurring tasks; remove obsolete items
+
+## Task Classification
+
+**By recurrence:** Fixed schedule (automate or calendar), event-triggered (set monitoring alerts), one-time (track to completion and archive).
+
+**By handling:** Fully automated (autopay with verification), calendar-driven manual (reminder + checklist), delegatable (clear brief needed), personal only (requires your judgment/presence).
+
+## Automation Standards
+
+For any autopay/auto-renewal: verify funding source balance, set calendar reminder on processing date, review charges quarterly for rate changes, maintain master autopay list, update all links immediately when payment methods change.
+
+## Delegation Protocol
+
+Every delegated task includes:
+1. Clear description of what, why, and when
+2. Decision boundaries (independent vs. approval needed)
+3. Context (account numbers, contacts, budget, preferences)
+4. Deliverable definition and report-back format
+5. Intermediate check-in point for longer tasks
+
+## Deadline and Renewal Tracking
+
+Maintain centralized tracker: item/provider, date, required action, lead time needed, current status. Review at start of each month; flag items due within 60 days that haven't been started.
+
+## Quarterly Review Checklist
+
+- Autopay arrangements on correct payment method?
+- Any recurring tasks obsolete or changed frequency?
+- Deadlines in next 90 days without action plans?
+- Provider terms changed?
+- Delegation handoffs completing on time?