FRIDAY, Oct. 18 (HealthDay News) You have to wade through a lot of insurance jargon and be a skilled number cruncher to choose the right health insurance plan on the new health exchanges, health literacy and consumer decision making experts say. By making informed choices, consumers not only help themselves, they help drive overall health plan quality, efficiency and pricing, the experts pointed out. But, many consumers are ill prepared to make the best choices on their own because they lack the necessary math skills or can't accurately weigh their insurance risk, the experts noted. Plus, few health insurance exchanges currently offer the kind of help that many people need to make informed decisions. First consumers have to figure out whether, say, a $200 deductible with a $10,000 out of pocket limit is better than a $1,000 deductible with a $3,000 out of pocket limit for them, Krughoff explained. "Then you throw in different co insurance rates and different co payments and consumers just can't put all that together into a single number that they can compare," he said. Even the language of insurance, with concepts like co insurance and tax credits, is confusing, the experts noted. "We're asking people to do a lot of heavy lifting right now when it comes to things that (studies show are) very problematic for the general public," said Christina Zarcadoolas, a professor at the City University of New York's School of Public Health at Hunter College. It will be up to the staffers providing toll free hotline help and the "navigators" who are offering one on one assistance to make sense of it all for consumers, said Zarcadoolas, founder of the New York Roundtable on Public Health Literacy. But when consumers don't even know to ask if there's a "network" or whether they can see their usual doctor, "we know that causes all kinds of problems," she said. Consumers' math skills a concern The new Internet based health insurance exchanges opened for business on Oct. 1 but stumbled out of the blocks. Computer problems and unanticipated levels of website traffic made it difficult, if not impossible, for many people to review their health plan options in the first week or two of open enrollment under the Affordable Care Act. The law is the Obama administration's controversial effort to bring health care coverage to an estimated 30 million uninsured Americans. the next challenge is sorting through the coverage options available to them under the health reform law, also known as "Obamacare." Ellen Peters, a professor of psychology at Ohio State University, said choosing a health plan involves financial decisions that even people with health insurance don't have to make very often. For the uninsured, the choices "may be quite unfamiliar," she said. Most consumers can figure out the difference between two plans' monthly premiums. But people need a greater level of math proficiency to estimate total health plan costs based on expected health care needs, the report noted. 'They were practically throwing darts' Studies demonstrate ways to simplify the task by presenting options to people in a way that will help them make better choices. Eric Johnson, co director of Columbia University Business School's Center for Decision Sciences, and Tom Baker, professor of law and health sciences at the University of Pennsylvania, realized some time ago that "choice architecture" would matter on the exchanges. To test their hypothesis, the two academics and colleagues in New York, Miami and Jerusalem set up several experiments mimicking the decisions consumers have to make when shopping on the exchanges. When asked to choose the lowest cost health plan from among four or eight options, the study participants failed miserably, the study found. "In fact they practically couldn't do it at all. They were practically throwing darts," said Johnson, who expects their paper to be published shortly in a peer reviewed journal. On average, consumers could potentially lose $611 annually by failing to choose the most cost effective option, the study found. "People seem to put more weight on the out of pocket costs and the deductible than they do the premium," he explained. When business school students were given the same task, they got it right 73 percent of the time, often with the aid of spreadsheets, the study found. Ordinary consumers either don't know how to do the math or don't bother to do it, Johnson reasoned. The problem could be cured "just doing the math for people," he said. Because many of the health plans that consumers will purchase on the exchanges will qualify for federal subsidies, peoples' bad decisions could end up costing taxpayers more than $9 billion annually, Johnson said. The study also found that adding a cost calculator improved the chances of choosing the right plan and reduced the margin for error by an average of $216 annually. And using a "smart default" to indicate a person's best health plan choice based on his or her specifications can also help, Johnson said. Some exchanges more user friendly than others Currently, experts don't see many exchanges using these tools. "They've obviously been busy just trying to get the lights on October 1st," Johnson said. Blogging for Health Affairs, Krughoff and his colleagues suggest a list of ways to make health plan choices easier. One recommendation: let users see the true insurance value of each plan. The exchanges should provide a single dollar amount estimate of the average expected cost under each plan, Krughoff said. But based on visits to about half of the exchanges in the past two weeks, he found that few are doing so. Air Jordan 13 Grey Toe 2014 ,Air Jordan 10 Charlotte Bobcats Air Jordan 14 Black Toe 2014 Air Jordan 6 Brazil World Cup Air Jordan 2 Dark Concord Air Jordan 6 Championship Cigar Air Jordan 3 Wolf Grey Air Jordan 9 Birmingham Barons Air Jordan 6 Slam Dunk Air Jordan 11 Low Infrared 23 It always rewarding to close a sale and immediately have the new client sign the documents to secure the sale. No matter how many years in the business, this always feels good. We all have stories about new customers who have into our lap and bought quickly. For some reason, we can seem to forget the great rush that occurs from these new clients. I here to say that as good as the rush might be when we allow a sale to occur too quickly, we wind up leaving money on the table. When beginning to talk with a new customer, the salesperson and the customer invariably have the intent of doing so with a specific product in mind. It may be any number of products you sell. The initial interest expressed by the customer always guides the discussion. Once the discussion turns to a specific product, the customer focus becomes even more closed to any other products. The real danger comes when the customer agrees to buy. At that moment, the customer feels the process is over, and their mind moves to something else, usually something totally unrelated to your business or products. To avoid a situation like this, the salesperson needs to ask the necessary exploratory questions early to determine the customer other needs. By asking exploratory questions early, you are able to assess which additional products may interest the customer. If you wait to ask these types of questions until after the initial sale is complete, you will always be behind. This is the whole principle of not closing too quickly. You need and want enough time to explore and determine all of the customer needs. What are exploratory questions? Exploratory questions generally are open ended questions that get the customer talking. Questions may include asking the customer about their job and the types of benefits they receive in the job. A question of this nature is non threatening and is likely to start a conversation in which the customer shares about the dynamics of their work, particularly the level of security they do or don have in their position. When a salesperson can get the customer talking and, more importantly, talking about items about which they do not feel secure, the greater the likelihood the salesperson can identify additional products that will alleviate some of the customer pain. Whether in a face to face meeting or over the phone, the salesperson must take the time to engage the customer early on. The key with the early questions is to not blatantly ask, other products or services would you be interested in? Asking a new customer this type of a question before a relationship has been established runs the risk of alienating the prospect. Plain and simple, they will view you as a salesperson. the customer in a non threatening manner and that customer will be more likely to share information without throwing up defensive barriers. Keep your exploratory questions short and simple, so that that the customer can do most of the talking. Customers are much more willing to share key information in short segments rather than long drawn out responses that more complicated questions dictate. Due to the wide number of issues the typical customer faces today, it is a privilege to be a salesperson in today economy. When you are able to assist a customer with multiple solutions, the customer feels at ease, and you have truly done your job. Building a solid relationship instead of going for the quick close just makes good sense when you are striving to build a long term sales career. Begin today to incorporate exploratory questions into your sales process as a way of engaging the customer. Recommended Books on How to Close a Sale: How to Close Every Sale Zig Ziglar Secrets of Closing the Sale Close the Deal: 120 Checklists for Sales Success Ask Questions, Get Sales: Close The Deal And Create Long Term Relationships 2nd Edition Conversations That Win the Complex Sale: Using Power Messaging to Create More Opportunities, Differentiate your Solutions, and Close More Deals Air Jordan 13 Grey Toe 2014,Before relocating to Vermilion County, Eldon Johnson who passed away last month in Normal at age 78 was best known for his own athletic achievements.He attended Kenney High for three years, transferring to McLean as a senior in the fall of 1952. A 5 foot 10 forward, he set the school single game scoring record in basketball (37 points). He also participated in track but was best known for his baseball prowess.After batting .419 as a senior, the center fielder signed with the Chicago White Sox organization, where his stint was cut short after a year when he was drafted by the Army.The family moved to Rossville in 1963, and thereafter, it was his children who were in the sporting headlines. Daughter Susan (now Kentner), who set a Vermilion County record in the 100 yard dash as a junior, credits her father for her tenure in sports as a coach."I became a coach because of the love of sports that he instilled in me at an early age," Kentner said. "My dad had a huge impact on my coaching because we were forever playing some sort of sport during our free time."Dad would get home from the farm and we would play baseball in our back lot. We had bases and a pitcher's mound, and the barn was a home run."Eldon Johnson, who lived in Rossville for 43 years, was a timer at numerous Vermilion County track events for years when he wasn't golfing.Kentner's brother, Dave Johnson, also joined the coaching ranks and is the women's basketball head coach at Mattoon's Lake Land College. Kentner coaches volleyball and track and field at Bismarck Henning. A third sibling, Shelly, also survives."He inspired my brother and I to be competitive in sports," Kentner said. "He was always at all our athletic events and my sister's plays."Dave Johnson has coached the Lakers for 15 seasons. Kentner is in her 22nd year as the B H volleyball coach. Her career record is 370 187 and includes nine consecutive Vermilion County tournament championships.C club banquet honors historyCHAMPAIGN Two former Central athletes will join the school's Athletic Hall of Fame during Saturday's C club banquet at Jupiter's at the Crossing.Swimmer Ross Moore and former News Gazette girls' basketball All Area Player of the Year Allie Lindemann will be enshrined. Both graduated in 2006. Central athletic director John Woods still has tickets available. He can be reached at 217 351 3933.Also being recognized is the 1977 78 volleyball team, coached by Karon Rasmussen, which was 23 5 and placed fourth at state. There also will be a special celebration for 40 years of girls' sports at the school.Moore was a state placer for three consecutive years in the 200 yard individual medley and the 2006 state champion in the 100 butterfly. He helped the Maroons to ninth place at state his sophomore season, fifth as a junior and fifth again as a senior. Moore registered the third best 200 IM time recorded by an area prep (1 minute, 53.88 seconds) and ranks fourth all time on The News Gazette area list for the 100 butterfly (50.20).Moore went on to swim at Notre Dame.Lindemann earned 10 varsity letters, four in basketball, three in cross country, two in soccer and one in track and field. She set the Maroons' career scoring record (2,186 points) as well as points in a season (621). She was seventh on the IHSA all time list for career double figure scoring games (107). She helped Central to 82 wins during her four year career, including a school record season total (26).Lindemann played four years of basketball in college, two at Kirkwood Community College and two at Siena. Friday, will feature three 2012 state championship volleyball teams among the entries. In all, the competing schools come from four states.Centennial is one of the two tournament entries that placed third at state a year ago.Area kids on campus . Sophomore Sydni Meunier, from Gibson City Melvin Sibley, won her first collegiate cross country race Saturday, leading Notre Dame to team honors in the Crusader Open. She ran a lifetime best (17:57.7) to win the 5 kilometer race by 12.2 seconds. Sophomore Steve Schroeder, from Monticello, was chosen as Patriot League Runner of the Week, after earning his first collegiate win Saturday for the Naval Academy. His 5 mile time was 25:55.51. He led Navy to team honors in the seven school meet at Fordham. The win was his first at the collegiate level.
100 Finest Grade Air Jordan 13 Grey Toe 2014,Air Jordan 14 Sport Blue jump to contentmy subreddits limit my search to /r/weightroomuse the following search parameters to narrow your results:see the search faq for details. A place for you to ask questions about your routine, form, or anything weight training related. A gathering place for any and all iron pumpers, no matter your specialization. Somewhere to get away from the drivel that often ends up in r/fitness. What r/weightroom isn is not a place for memes or rage comics or things that provide no value. This is not a place for you to post "NSVs", "I just did x!" threads, or any threads where the only discussion to be had is congratulating the OP. There are lots of places to post those kinds of threads. This isn one of them. Best ranked lift is a 507 squat, 26 Current Year, at 181 weight class. Total is something like 30 current. Wilks is something around 422. Personally I wouldn call 26 "one of the strongest." Especially in powerlifting, where showing up and not bombing out is likely to get you ranked on the Year list. But we not going around guru ing ourselves based off of these numbers and being "one of the strongest pound for pound. blah blah blah."Lol, I knew that was coming, and in my defense I simply provided a detailed instruction manual that lays out the guidelines in which I train and why I train that way. Even then I put it out after demand from people in this sub. Also, I not going around telling others what they should be doing, what going to "add 50 lb. to your deadlift" or any of that nonsense. Air Jordan 13 Grey Toe 2014 SNOW HILL Mrs. Myrtle Perry Creech passed away Saturday morning, April 17, 2010, one week prior to her 91st birthday. She was born April 24, 1919, in Perquimans County, the daughter of Robert and Artelia Lane Perry. She lived most of her childhood in Kinston and upon marriage to the late Malcolm Bruce Creech made Greene County her home. She worked for many years with Roses Department Store and following her formal retirement joined her daughter and son in law in their business, Bear Garden Flowers. A devoted homemaker, she took great pride in her roles as wife, mother and grandmother having been a member of the Home Demonstration Club and served as a 4 H leader. Mrs. Creech was an active member of Jason Presbyterian Church. Sunday, April 18 at the chapel of Taylor Tyson Funeral Service with Pastor Scott Hardy and Pastor Ed Duetsch officiating. Monday, April 19 at the Snow Hill Cemetery. In addition to her parents and husband, Mrs. Creech was also preceded in death by a son, Robert Bruce Creech; grandson in law, Herman L. Ingalls; and great grandchildren, Amanda Creech and Joshua Hardy. Her surviving family includes her daughter, Louise Creech Stallings and husband, Eddie Lee of Snow Hill; grandchildren Robbie Creech, Debbie Ingalls, Rhonda Grady and Cindy Creech, all of Snow Hill, and Edie Hardy of Deep Run; great grandchildren Jennifer Ingalls of Texas, Jason Creech of Snow Hill, Brandon Shirley of Wyse Fork, Barbara Jean Hargett of Wyse Fork, Greysen Ingalls of Snow Hill, Tony Shirley of Deep Run, Jordy Grady of Grifton, Amanda Grady of Snow Hill, and Heather Gray of Kinston; and five great great grandchildren. The family will receive friends on Sunday immediately following the service and other times at the Stallings home, 1226 Hwy. 91, Snow Hill. Arrangements by Taylor Tyson Funeral Service.
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