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Issue November 2003
- Indianapolis "Keeping Businesses Moving Towards Success"
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Published And Distributed By
Creative Business Works 866.663.9600 |
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Editor's
Note
Let
me be the first to wish all of you a Happy Thanksgiving! Take a
moment to reflect on your successes, be appreciative of support and be
thankful for all that you have and are able to do. Remember the blessings
of family, loved ones and good friends.
We
have just completed are first year of publication of this newsletter, I
hope you all are able to gain a little bit from each issue. I try to
include information that will help your business efforts.
We've
included some great articles this month to help you sell more and some helpful
ideas on networking. Check
out our recommended resources for your business needs.
Be
sure to watch for our next issue in which you will find
more marketing tips, sales
strategies, and business services that will help you succeed in your
business endeavors.
Good luck and enjoy! Please feel free to forward this page to
an associate.
I
want to subscribe
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Sales and Marketing Strategies In This Issue:
Networking
Basics - Learn
the basics of this important business skill.
Honesty
Sells - Why
building a customer's trust helps you sell.
Recognize
Employees -
Learn how to recognize, reward and thank people.
Be
More Productive In Sales -
If you want to be more productive in
sales try following these 10 steps.
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Types of Health insurance
Indemnity
Indemnity plans allow you to choose any doctor or hospital when seeking
medical care. These plans typically have a deductible that must be met
before any benefits are payable to the insured. After this deductible,
the plans pay a co-insurance percentage, typically 70% to 90% of billed
charges. The remainder of the bill is paid by the insured. While these
plans usually offer full freedom of provider choice, they are typically
more expensive. Managed care options limit the choice of service
provider in different ways but are generally more economical.
Managed Care – HMO
With the least freedom (in terms of physician and facility selection)
and lowest cost, the Health Maintenance Organization (HMO) normally
restricts you to a primary care physician who coordinates your care and
must refer you to a specialist.
Managed Care – PPO
The Preferred Provider Organization (PPO) gives patients the choice of
staying within the network or seeking care outside the group. If you
stay within the network, 90-100% of the cost is normally covered while
if you go outside the network you submit the claims, similar to a
indemnity policy, and typically get 70% of the cost covered.
Managed Care – POS
Less expensive than PPOs, Point-of-Service plans (POS) still provide
more freedom than HMOs. For basic care, you can stay within the network
but if you choose to see a specialist outside of the HMO you simply pay
a percentage of his charges.
Federal: Medicare
Medicare provides coverage for people who have qualified for Social
Security (usually 40 quarters of work subject to Social Security). The
majority of people who qualify for Medicare become eligible at age 65.
Under some circumstances, extreme disabilities may qualify a person for
Medicare before age 65. Medicare provides comprehensive coverage, but
can have some larger co-insurance payments than many traditional plans.
Because of these co-payments, many Medicare recipients buy relatively
inexpensive supplements.
For the
most comprehensive information on insurance benefits for your
Indianapolis area business contact Employee Benefit Systems (Greg
Peters/Jess Stump) at 317-580-0920.
Or you can click here for more
info.
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"Don't
be afraid to give your best to what seemingly are
small jobs. Every time you conquer
one it makes you that much stronger. If you do
the little jobs well, the
big ones tend
to take care of themselves."
--Dale
Carnegie
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directory
of resources
Marketing
Support -
creativeBUSINESSworks
Number
One Rated Web Sites
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Save time searching through thousands of web sites.
Use this free web site to search the best of
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The
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Workplace
Stress Reducer
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The Small Business Marketing Bible -
Tips,Tricks
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Purchase ACT! 6.0 for 2004 and any handheld and get up to $100 back!
Great Ideas for Great Gifts! Successories Desk Accessories
Group
Health Insurance Services - For
The Indianapolis area: Employee
Benefit Systems
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FUN FACTS & TRIVIA:
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The average
American person uses 5 times as much fuel energy as an average person
anywhere else in the world.
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A queen bee uses
her stinger only to sting another queen bee.
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When a giraffe is
born it falls from height of six feet and normally does not get hurt.
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33% of the
population cannot snap their fingers.
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There are 293
different ways to get change for a dollar.
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It takes 4 hours
to hard boil an ostrich egg.
Monthly
Riddle:
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Helpful Links:
if you would like to help just click on
the link:
24,000
die of hunger each day. Help The Hunger Site -
The
Hunger Site
Help
fund mammograms for underprivileged women -
The
Breast Cancer Site
Help neglected animals -
The
Animal Rescue Site
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Free
Marketing and Sales Support
Through Local On The Net
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Valuable
Marketing And Sales Support
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"How
To" For Business Success
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Pre-written
business letters and forms
You
can receive one month free to this valuable, business resource site by
completing a brief survey on a unique marketing program that could greatly
increase your sales efforts.
I'll
take the survey. My company has no web site.
I'll
take the survey but my company already has a website.
Contact Creative
Business Works for
further marketing information.
Call
1.866.663.9600 toll-free.
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Marketing Tip of
The Month:
While
a business needs to constantly capture new customers, the focus and
priority should be on pleasing your existing customer base.
Repeat customers spend 33% more than new customers.
Referrals among repeat customers are 107% greater than
non-customers.
It costs six times more to sell to a prospect than to sell the same
thing to a customer.
As
you can see your marketing dollars will go further if you use it to
build, nurture, and develop your customer relationships.
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