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Customer Focus is a profit strategy.
2. A 5% increase in customer loyalty will contribute between 25% and 125% directly to your bottom line.
J,[link widoczny dla zalogowanych]. Subtract I from H =
E. Multiply C X D =
I. What would it cost to train your employees?
(For third party training services this can typically range from $200 to $300 per person depending on the provider. If you don’t know, contact us and we will tell you.)
D. What is your net margin as a percentage of Gross income?
This represents a significant difference in perception and since it is the customers’ perception that drives their buying behavior, this is pretty scary.
4,[link widoczny dla zalogowanych]. The cost of poor service ranges between 25% to 35% of your operating expenses.
A. What are your customers worth?
Enter the average annual amount a customer spends for your products and services:
B. What is your customer attrition rate?
Enter the number of customers you lose annually:
(if you don’t know how to calculate this,[link widoczny dla zalogowanych], give us a call)
F. What is your current cost of poor service?
Enter your total operating expenses:
As an expert in this subject matter I spend a lot of time looking at research studies, customer feedback, customer commentary about various companies they deal with and customer trends. From all of these data I have compiled a list of ten compelling reasons why customer focus training should be viewed as a strategic investment.
C. Multiply A X B =
“Satisfy” means to provide nothing more or less than the customer expects. Customers want to deal with those who demonstrate that their business is valued. Creating a Customer-Focused Culture is a proven strategy for both short-term success and long-term growth.
K. How much will now be added to your bottom line? (insert result from J)
Most people who complete this calculation end up with a surplus. In your first year if you simply break even you are still ahead of the game. The bonus is you will stem the flow of customers leaving your company instead of replacing them with new customers who cost at least 5 times more to acquire.
Just look at the numbers. You do the math,[link widoczny dla zalogowanych]! Do a couple of simple calculations based on the research findings above to determine what your return on investment could be if you got passionate about becoming truly customer-focused,[link widoczny dla zalogowanych].
If you want to justify the investment associated with training your staff, try completing the following:
5. The average value of customers is 8 to 10 times their initial purchase depending on the research we have reviewed. The cost to attract a new customer is 5 to 6 times more than your cost to save an existing customer.
There is an expression, “You have to speculate to accumulate”. Proven customer focus training which is customized to reflect your strategic service goals and objectives is not speculative. It is a sound investment which can yield an exceptional return.
6. In this market, companies are losing at least half of their “satisfied” customers.
I know,[link widoczny dla zalogowanych], you’ve heard it all before. But hear me out. Let me prove to you that using training to create a customer-focused organization is one of the best strategic investments you will ever make!
• the main reason why these company perform well is because the owners/managers/senior executive are passionate about customer focus and have enable all their employees to deliver extraordinary service from the inside out, and that
The potential sources of revenue are substantially greater than what it would actually cost to ensure your Organization is truly customer-focused.
H. Add E + G =
7. Depending on the report you look at, from 85% to 95% of senior business leaders believe that the next competitive differentiator is Customer Experience.
1. If you wait, it will be too late!
• most of your customers are demanding better service and they are willing to pay for it,[link widoczny dla zalogowanych].
3. Low customer focus companies average a 1% Return on Sales and lose 2% market share a year. High customer focus companies historically average a 10 -12% Return on Sales and grow, on average, 5 - 6% a year.
G. Multiply X 5% (although research suggests 20 to 30%)
To make matters worse, believe it or not, most of your customers do not complain about poor service because they don't think it will do any good.
Keeping your existing customers is cheaper and more profitable than getting new ones. Too many companies are continuing to focus their marketing efforts on obtaining new business, sometimes at the expense of their existing customers. Others are attempting to create loyalty but not providing their employees with the knowledge and tools they need to function in a way which actually creates customer loyalty.
• most of the best performing companies right now rate extremely high in customer focus,[link widoczny dla zalogowanych],
Your customers are looking for maximum value when spending their hard-earned cash, particularly in this economy. While they will likely complain about the product or price if it is not delivered as expected, when it comes to their service experience or lack thereof, they won’t bother complaining.
The customer experience requires the active participation of everyone in your organization,[link widoczny dla zalogowanych]. Creating and implementing a comprehensive Customer Focus strategy will differentiate your business.
Look, I know you have a lot to think about these days. I run a business as well. The pressures of managing your bottom line, worries about the impact of a global pandemic, rising benefits and health care costs (for some of you), and a seemingly never ending list of problems weigh heavily. I’m sure that for some of you there are some days you would like to lock your door, turn off your telephone and just get away from it all. While I can’t help you deal with all these issues,[link widoczny dla zalogowanych], I can show you a way to come out the other side of this current dilemma with a strong,[link widoczny dla zalogowanych], vibrant and profitable organization.
Aligning internal processes and ensuring every employee understands how he or she contributes to the customer experience will reduce the cost of poor service. Why not move the total of these expenses from your expense journal to your operating profit.
9. Beyond price and product quality, your customers value how they are treated. Only 12 -14% of customers leave for product reasons while 68% leave because of poor treatment by employees.
8. Only about 4% of unhappy customers ever complain when it comes to how they were served; 90% do not bother to complain and simply go elsewhere.
Okay, so forget about the fact that:
• most top business leaders believe Customer Focus is the single greatest differentiator,
While training is not a panacea and it is certainly not the only thing that needs to be done to build a customer centric culture, for many it seems to be one of the biggest obstacles,[link widoczny dla zalogowanych], in part because it is viewed as an expense.
It’s time to set the record straight. Customer Focus Training is NOT an Expense. It is a strategic investment and here’s the proof.
The time to act is now. Even your best customers are looking for the greatest value for their hard earned cash. The current economic situation has resulted in even higher expectations of service and unless your employees do everything they can to exceed these expectations now, these customers will be gone by the time the economy has turned around.
10. 80% of companies believe they deliver a superior Customer Experience; however, only 8% of their customers agree.
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2012, just out of prison with his wife and daughter came to Jiangxi a little Ganzhou. A month after that, little work as usual to get home, but when he went to the door, but found a home in the dark, do not see any light.

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President-elect Fernando Lugo (l) and Papal Nuncio Orlando Antonini in Asuncion,[link widoczny dla zalogowanych], 30 Jul 2008
The Vatican says Pope Benedict XVI has allowed Paraguayan President-elect Fernando Lugo to resign his status as a Catholic bishop so he can take office next month without violating church rules,[link widoczny dla zalogowanych].
Roman Catholic Church officials said Wednesday the pope gave Mr. Lugo a dispensation that changes the incoming president's status from bishop to layman. It is the first time the church has granted such a waiver to a bishop,[link widoczny dla zalogowanych], although Catholic priests have been allowed to change their clerical status to take political office.
Officials say the pope agreed to change Mr,[link widoczny dla zalogowanych]. Lugo's status as bishop because the position is incompatible with serving as president,[link widoczny dla zalogowanych]. The incoming Paraguayan leader will remain a member of the church,[link widoczny dla zalogowanych].
Mr,[link widoczny dla zalogowanych]. Lugo said in 2006 he wanted to resign as bishop to run for political office,[link widoczny dla zalogowanych]. Church leaders said his presidential ambitions violated papal rules against priestly involvement in politics,[link widoczny dla zalogowanych].
Once called the bishop of the poor,[link widoczny dla zalogowanych], Mr. Lugo was ordained into the priesthood in 1977.
The incoming Paraguayan leader was elected in April,[link widoczny dla zalogowanych], ending the 61-year rule of the country's Colorado Party. He will be sworn in on August 15. Mr. Lugo heads the center-left Patriotic Alliance for Change - a coalition that includes the main opposition party,[link widoczny dla zalogowanych], trade unions, farm groups and Indians.
Some information for this report was provided by AP and Reuters.
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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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These types of plans are short-term in nature and carry high interest rates which need to be paid in a stipulated amount time. If any person is not able to repay the amount,[link widoczny dla zalogowanych], the repayment time can be extended but it will carry extra charges. Borrowers should make proper research while applying for such schemes to get a suitable plan as per their needs. They should not fall into the trap of many tempting offers from any lender so that they might be cheated in future and fall into further bad credit.
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The world is facing the global economic crisis which has brought recession and job cuts upon many people as they could not afford to live their life comfortably due to low supply of money. This phenomenon has captured the life of the people all around the world due to which many people are getting unemployed and the cost of living has grown up. People are finding it very difficult to handle their urgent finances as their incomes are not sufficient enough to carry out all the expenses. In order to tackle these problems,[link widoczny dla zalogowanych], many financial companies are providing next day loans to people so that they can take care of their problems like outstanding bills,[link widoczny dla zalogowanych], medical expenses, car repairs,[link widoczny dla zalogowanych], tuition fees, home renovation etc.
Next day loans are available to people to provide them maximum benefits so that they do not face any difficulty in managing their finances. These plans are available in unsecured nature where no guarantee is required to get money. So,[link widoczny dla zalogowanych], students,[link widoczny dla zalogowanych], tenants and people without any substantial property can avail these monetary benefits without any troubles. People who are suffering from bad credit need not worry as many lenders who are providing such type of fiscal support do not verify credit history of the borrowers. Those people who have problems of bankruptcies,[link widoczny dla zalogowanych], arrears,[link widoczny dla zalogowanych], late payments, defaults, debt consolidation,[link widoczny dla zalogowanych], CCJs etc in the past can get benefits from these schemes. So, people with fixed income can utilize the wage day loans so that they can get money till they get next wages to fulfill their desires.
By Zim Carter
See all Articles by Zim CarterGet Updates on Financial LiteracyGet Updates on Zim Carter Average: 0 Your rating: None Tweet
People are requested to visit the internet to make use of these plans. The lenders have provided all the necessary information on their websites so that people can apply from there. The lenders will start processing the applications as soon as they receive the details of the borrowers. The details provided will be subjected to verification and once the credential of the borrower is established,[link widoczny dla zalogowanych], the sanctioned amount is transferred directly into the borrower’s bank account. This saves the unnecessary hassles of going to the branch and faxing of documents. People can use this amount in any way they want without any fear of intervention from the lenders.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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[sunshine 100 three 9 building lifting injury accident] in January 5th, together with the lifting injury accident sunshine 100 three 9 building, killing 1 workers died. The construction unit for Ji'nan sunshine 100 real estate development company; supervision units for the Shandong Earth Construction Supervision Co., Ltd., the project director Wang Xin; the total package units for Ji'nan construction (Group) Co., Ltd., in charge of the project for the king Qin; subcontracting unit for Ji'nan Weitong building services company, Xintai city the palace construction engineering company, the person in charge of the project were Wang Xiaohui, white Sizhu.
respectively:
working meeting of production safety in Ji'nan city construction system held 16, reporting, analysis of 6 fatal accidents this year since the occurrence of accident, and relates to the engineering construction units,[link widoczny dla zalogowanych], supervision units, the general contractor, subcontractors,[link widoczny dla zalogowanych], the corresponding responsibility, arranged the production safety management activities. Conference requirement, deeply absorb the Olympic sports center gymnasium construction project fire accident, seriously investigate and deal with the engineering dismember layers of subcontracting,[link widoczny dla zalogowanych], blindly follow the rush period etc.. Does not have the weak link conditions rectification, will be as a major hidden danger treatment.
the 6 casualty accidents, objects against accident 2, crane injury, mechanical damage,[link widoczny dla zalogowanych], collapse, falling accident every 1. The accident are mainly illegal operations, supervision of personnel loss caused by the construction personnel. Related to the construction unit failed to conscientiously fulfill the first responsibility responsibility for production safety, training and education on the frontline workers lack of long-term management of production safety, not should exclude hidden trouble to get timely and effective regulation. Supervision units did not fulfill the main responsibility for production safety, for many potential safety hazard failed to timely find and urge the construction unit rectification, eliminate. The construction units do not pay enough attention to the work of production safety supervision, without employing units in accordance with the provisions of the construction process, the safety in production management,[link widoczny dla zalogowanych], ignore it.
[railway Nanyuan small high-rise residential collapse accident] in April 6th,[link widoczny dla zalogowanych], Nanyuan railway small high-rise residential engineering collapse accident occurred, killing 2 workers died. The construction unit for Ji'nan Railway Bureau staff residential construction headquarters; supervision units for the Shandong economy iron Engineering Construction Supervision Co. Ltd, the project director for Li Xiuhua; the total package units for the China Railway ten Bureau Group Ji'nan Railway Engineering Co.,[link widoczny dla zalogowanych], Ltd.,[link widoczny dla zalogowanych], project leader is Wang Bo; subcontracting units of Ji'nan railway construction period,[link widoczny dla zalogowanych], project leader is Tan Yong; labor subcontracting unit of the Shandong Sheng Industry Construction Engineering Co.,[link widoczny dla zalogowanych], Ltd.,[link widoczny dla zalogowanych], project leader is Gong Yongxian.
[Ginza Ivy 13 building high fall accident] in July 22nd, Changqing University of science and Technology Park Ginza Ivy issue No. 13 building, falling accident occurred, killing 1 workers died. The construction unit for Shandong Real Estate Co. Ltd; supervision >
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Chen, this year 22 years old, about the scene at that time, she still be still suffering from the shock. She said: "at that time, stomach pain, but want to leave the toilet already too late."

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Thailand Prime Minister acting spokesman Panita said: "(the anti-government protesters and government supporters) conflict in the entrance hall outside,[link widoczny dla zalogowanych], there are 2 to 3 people suffered minor injuries. But this will not affect the security of the summit."
witnessed the scene: Thailand anti-government protesters in the ASEAN summit venue rally
4 month 11 days, in Thailand Pattaya ASEAN Nations summit meeting, an expatriate watch anti-government protesters rally. The Chinese Embassy in Thailand for news officials said that day, the East Asian leaders summit cancelled. Xinhua / Reuters

shouted slogans,[link widoczny dla zalogowanych], dressed in red Thailand Democratic Alliance Against Dictatorship (UDD) protesters on the morning of 11 March to the ASEAN summit will be the main site of the entrance, the ASEAN summit venue surrounded,[link widoczny dla zalogowanych], and dressed in blue government supporters in the entrance hall outside the conflict.
xinhuanet.com news: due to the situation in Thailand, the twelfth leaders of China and ASEAN meeting not according to the original plan to local time 11 days morning 9 when held.
11 noon, 10 representatives of the UDD protesters selected with police in negotiations are allowed to enter the ASEAN Summit Conference Center, meeting with local and national media. They claim that morning, 2 demonstrators injured,[link widoczny dla zalogowanych], the government should assume responsibility for.
April 11th,[link widoczny dla zalogowanych], Pattaya in Thailand, an injured anti-government demonstrators lying on the ground. Xinhua / Reuters
xinhuanet.com news: scheduled for local time 11 days 7 when the foreign ministers' breakfast because the UDD rallies in Thailand, has not yet been held.
Conference Center,[link widoczny dla zalogowanych], several of the UDD demonstrators responsible person standing on a truck,[link widoczny dla zalogowanych], from time to time the demonstrators to issue instructions. Hundreds of taxis,[link widoczny dla zalogowanych], private cars and trucks to two necessary channel conference center and periphery connection blocking was bursting at the seams. Demonstrators in groups of three and four, holding banners, placards, shouting slogans to move back and forth,[link widoczny dla zalogowanych], from time to time to stop and scene >
series of East Asia Summit cancelled
April 11th, Pattaya in Thailand,[link widoczny dla zalogowanych], police and anti-government protesters attended the ASEAN Summit Series foreign delegation in extraterrestrial confrontation. Due to the situation in Thailand, the twelfth leaders of China and ASEAN meeting not according to the original plan to local time 11 days morning 9 when held. Xinhua News Agency reporter Rao Aimin perturbation
April 11th,[link widoczny dla zalogowanych], Pattaya in Thailand, police and anti-government protesters attended the ASEAN Summit Series foreign delegation in extraterrestrial confrontation. Xinhua News Agency reporter Rao Aimin perturbation
xinhuanet.com news: Thailand Democratic Alliance against dictatorship protesters on the morning of 11 back to the ASEAN summit will be the main site of the rally and block the entrance hall,[link widoczny dla zalogowanych], which is part of the officials could not go in.
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Ye Shaoming, Chen Chengmin and the leaders of relevant departments respectively, Lin Hanshun and so on 37 new list of the seventh batch of outstanding experts and talents award certificate.

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President Kim Dae-jung and his son Kim Hong-il ask people why they are looking at them,[link widoczny dla zalogowanych], as their images mirror that of former president Kim Young-sam and his son Kim Hyun-chul,[link widoczny dla zalogowanych], the latter of whom abused his position to amass a fortune.
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The Financial Supervisory Service (FSS) announced Sunday that the banks selected the firms on their own criteria for credit risk evaluation, and that they will launch an evaluation of the firms by Jan.

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He or she will make you realize that by making you aware of all the clutter you carry is only weighing you down which in turn will slow you down and make your journey longer and tiresome, maybe so much so that you will give up.
The Coach will start you off in the correct direction,[link widoczny dla zalogowanych], with all the right gear you will need for survival and comfort along the way.
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Then once you are free and focused on what it is you really need in your life and what is truly important for you,[link widoczny dla zalogowanych], we can then amongst many other tools use the law of attraction in a more positive and realistic way than is portrayed in many other instances.
You need to have a Life Technician or Life Coach to get you started,[link widoczny dla zalogowanych], to get you there.
Now even that part might sound easy but it&#8217,[link widoczny dla zalogowanych];s actually the hardest part.
Because this is your foundation to your success.
Like a house built on an uneven and rocky surfaces,[link widoczny dla zalogowanych], no matter how great the house is its self,it will all come crumbling down sooner or later with broken dreams and hopes if they were built on such unreliable footings.
What you need is to have a plan,[link widoczny dla zalogowanych], a goal and know what you want.
Get the foundation right and the rest is just time and effort, but with lasting results!
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So with a lightened and minimized load you will increase your chances 1,[link widoczny dla zalogowanych], 2,[link widoczny dla zalogowanych], 300%, or more of achieving your dreams,[link widoczny dla zalogowanych], goals wants etc.
By Brian Allen : bjacoaching
See all Articles by Brian AllenSee Brian Allen's Expert PageGet Updates on WisdomGet Updates on Brian Allen Average: 2 Your rating: None Average: 2 (1 vote) Tweet 相关的主题文章：

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Of course there are exceptions to the above statement. If you work in a loud environment or teach, coach, or train in a large room, then you will certainly need to speak in a volume greater than Level 1.

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Lian late: "Pandora's box" once opened,[link widoczny dla zalogowanych], the next step?
2007-09-16 15:39:19
social commentary in the Hongkong on 16 September,[link widoczny dla zalogowanych], / United Evening News Today entitled "from the Department of fake" editorial pointed out, weekend in Taichung and Kaohsiung,[link widoczny dla zalogowanych], blue green to fight the market, joining or returning to the UN, Taiwan or the "Republic of China" slogan. The very heavens, but a set of Democratic Progressive Party. Ma Ying-Jeou long stay Scherzo translation "approach is false", blue green again how hard the UN topic, this topic is false issue,[link widoczny dla zalogowanych], false issues, won the "presidential" election is the real purpose.
the editorial said, the United States through the State Department officials may well ask, "what is the next step?" And don't say, blue and green to joining back together into "contradictions between ourselves and the enemy",[link widoczny dla zalogowanych], "blue-green confrontation",[link widoczny dla zalogowanych], therefore no matter which side, can not be crossed "referendum law" must be more than half of eligible voters, voters and half agreed threshold; even if one party over the threshold,[link widoczny dla zalogowanych], will the solution to the problem? No, certainly not. Not only will not, create problems, than out problem, worse!
is very simple, if the referendum passed, the DPP would like Chen Shuibian said, March next year nothing happened? Chen Shuibian clear admission play false, but he has dark green mood, will give up? "Pandora's box" once was opened, the dark green people joining desire once the referendum pass affirmation, but it was the politician insisted on pressing it, kind of frustration, resentment, it will not find the window vent,[link widoczny dla zalogowanych], explosive? Blue masses again will allow the referendum after clearance, the dominant political trends of green, a series of change "," change ", the national flag" action without thinking back to the road?
the same reason and condition,[link widoczny dla zalogowanych], and is also suitable for Ruolan camp back referendum is ok. Dark green of the "Taiwan replaced the Republic of China" has been buried under "expected seed", then tell them, only accept "'Republic of China', they will not replace the Taiwan" frustration? Chen Shuibian and similar such repeated many times,[link widoczny dla zalogowanych], the position of politicians act, will give up opportunity, not to encourage green rebound, not to stir up the blue and green contradiction?
the United States may well ask, "what's next"? The Democratic Progressive Party to play the "Taiwan card" has been playing experience, this time with the Kuomintang dared not, but the DPP only want to "play the first half lead" is good, the second half later. The Kuomintang, grabbed the ticket, but he just wants to play ball for the first half of the rules, play or not, not really care. Both blue and green, the back coupling things,[link widoczny dla zalogowanych], destined to "together is false".
Blue Green voters, so that they understand the illusion, it is not easy,[link widoczny dla zalogowanych], but the media have a responsibility to clarify the referendum failed, Taiwan society still have to pay. Only hope, is the median voter impatience referendum drama, firm >相关的主题文章：

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Xie Changting responded to media inquiries emphasize, want to see Chen Shuibian speech context, Chen Shuibian is about "legislators" election, as a coach to do, deliberately to "how to be president" election, omitted.

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Human attention to cream drunk, autumn sunset into the dream pillow.brilliant smile: Shh Ke Yan, branch Heng Pu proud vicissitudes.Yuxi once shy Xia month, Jine three Hui shook dew fragrance.

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With a preexisting condition,[link widoczny dla zalogowanych], you want to make sure that you are going with a guaranteed issue health plan that’s HIPAA-compliant because as long as you’ve had continuous (no more than a 63-day break) creditable coverage (individual, group, managed care, standard indemnity, COBRA) for at least 12 months prior to applying, you’ll be covered immediately. Otherwise, your preexisting condition will have a 12-month exclusion or waiting period and then after that, it will be covered. At least you’ll know that it will be eventually covered and you will not be denied. Again, there are many other benefits that you’ll receive too. You will be amazed.
You’ll cost them more money than everyone else and that’s why insurance companies don’t want to cover individuals with a pre-existing condition. Considering that a preexisting condition includes diabetes, cancer, heart disease,[link widoczny dla zalogowanych], obesity, etc.,[link widoczny dla zalogowanych], it can be with you long-term or chronically for the rest of your life. Insurers are for profit companies. They’re not in business to lose revenue. Getting the same results is common if you try looking for coverage with various insurance companies. Underwriting is pretty much done the same way; so you can not escape ultimately being declined. But getting around it is within reach with the following available options.
Reality is sobering. In regards to health insurance coverage, your pre-existing condition has caused you to experience discrimination. I’m sure you would agree because you’ve been turned down for that same reason; maybe even more than once.
Overall, for your pre-existing condition, you should be able to find some kind of health coverage, unless you are severely broke. Even in that case,[link widoczny dla zalogowanych], there should be some kind of low income (or no income these days) Medicare program in your state. Maybe someone that you are close to has good health insurance. Find out what you can legally do to become eligible under another person’s health insurance plan. You never know.
A high-deductible health insurance plan is what I would encourage that you purchase if you or a family member have not developed a pre existing condition yet and are still healthy,[link widoczny dla zalogowanych]. If a pre-existing condition does develop in the future that coverage will already be in place and your premium can not be increased because of it. It is guaranteed renewable meaning as long as you don’t miss any payments it can’t be canceled,[link widoczny dla zalogowanych].
3) You are able to get guaranteed issue health insurance coverage if you have a preexisting condition or are considered uninsurable. But, unlike a major medical plan,[link widoczny dla zalogowanych], it’s actually a limited medical plan. That simply means you’ll have coverage up to a certain dollar limit for specific benefits. Anything beyond that amount rests upon you. But,[link widoczny dla zalogowanych], depending on which of these guaranteed plans you choose, you’ll find that they cover a pretty fair percentage or amount of the Medicare Reimbursement Schedule. It also comes with additional benefits.
4) This final point is something that most people have no clue about which is called state-guaranteed subsidized health insurance coverage. That’s not surprising because for obvious financial reasons, states do not spend money on advertisement for it. Unfortunately in some states, HIPAA-eligibility is a requirement (see above) for this. I’ll preface by saying that it’s specifically designed for people who are uninsurable which means they can not qualify for private health insurance. It’s not designed for those who can not afford to pay for health insurance. It’s typically more expensive than private coverage for individuals with no health issues. Unlike commonly in an individual/family policy,[link widoczny dla zalogowanych], the lifetime maximum benefit is lower; about $1 to $2 million. Some states require that you must be a resident of that state for a minimum amount of time before you are eligible; it varies. But, HIPAA-eligible individuals are not subject to state residency requirements.
1) You obviously have coverage through your employer sponsored group plan if you are currently employed and your employer offers health insurance. All employees are covered in that group and you can not be excluded. So,[link widoczny dla zalogowanych], you are covered in this scenario.
2) COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) - If you lose your job,[link widoczny dla zalogowanych], you and your family can continue to participate in your employer’s group health benefit plan; but, at your own expense for 18 to 36 months. Although your pre-existing condition will be covered, it will definitely cost you more than what you were paying while working.
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The WFP and FAO say international aid is needed to help five million of the most vulnerable North Koreans -- children, pregnant and nursing women and the elderly.
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South Korea recently made its first shipment of donated food to the North since 2007. But the 5,000 tons of rice and three million packets of instant noodles pale in comparison to the half million tons of food aid shipped annually to North Korea under the previous administration here, which promoted the so-called Sunshine Policy of engagement with Pyongyang.
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The United Nations is warning of continued food shortages in North Korea where about one third of the population is not receiving adequate nutrition. The latest food production report from a pair of UN agencies shows food production has increased only marginally over the past year.
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Iran has significantly slowed down the expansion of its uranium enrichment capacity in the past three months, a report by the International Atomic Energy Agency (IAEA) showed on Thursday.
The quarterly report by the IAEA shows that Tehran suspended the expansion of the nuclear programme by halting installation of advanced centrifuges, which could sharply increase the capacity of uranium enrichment, a main concern of the west that Tehran is headed to make a nuclear bomb by producing large amount of uranium.
The UN nuclear agency and Iran made an agreement in Tehran to promote the cooperation and inspection to resolve the outstanding issues in Iran's nuclear programme.

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Shanxi Mount Wutai scenic area of Taiwan Huai temples over the emergence of multicoloured auspicious clouds, so there is a Chinese idiom "auspicious sign" or "Rui Cai auspicious clouds".

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(Luo Zhixiong photo)

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