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Submitted by: Jennifer Cheek

Question: 1

You import a managed solution that contains a custom entity named Loan. Loan is enabled for customization.

You need to add a new field to the Loan entity.

What are two possible ways to achieve the goal? Each correct answer presents a complete solution.

A. Open the imported solution, locate the Loan entity, and then add the new field.

B. Create a new solution, add the existing Loan entity, and then add the new field.

C. Modify the Managed Properties of the Loan entity in the imported solution.

D. Open the default solution, locate the Loan entity, and then add the new field.

Answer: A,B

Question: 2

You are adding a sub-grid to the Account form that displays data from a custom entity related to the account.

You need to identify which items you can use to display the data.

Which two items should you identify? Each correct answer presents a complete solution.

A. a fist

[youtube]http://www.youtube.com/watch?v=1Soni6LcP7w[/youtube]

B. a chart

C. a dashboard

D. an iFrame

Answer: AB

Question: 3

You have a Dynamics CRM organization.

You have a team named Team1. All of the members of Team1 have identical security roles.

A user named User1 has a personal view to display the records owned by Team1.

You need to ensure that all the members of Team1 can use the view.

What should you do?

A. Instruct User1 to assign the personal view to the owner of Team1.

B. Instruct the owner of Team1 to configure the filter criteria.

C. Instruct User1 to assign the personal view to Team1.

D. Instruct User1 to configure the filter criteria.

Answer: C

Question: 4

You modify the Account form to contain the contain the tabs configured and ordered as shown in the following table.

You need to identify which tabs will be displayed by default on Dynamics CRM for tablets.

Which tabs should you identify?

A. only General. Address Info, and Reseller Info

B. only General, Address Info, Reseller Info, and Additional Info

C. only General, Details, Address Info, Reseller Info, and Additional Info

D. only General, Details. Address Info, and Reseller Info

Answer: C

Question: 5

You have a Dynamics CRM organization.

You set an option that contains the values configured as shown in the following table.

What is the default sort order of the labels?

A. Four, One, Three, Two

B. Two, One, Three, Fou

C. One, Two, Three, Fou

D. Two, One, Four, Three

Answer: A

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The Ultimate 5 Step Customer Service Management Guide For Your Organization

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What is customer service management?

At a conference in 1997, Steve Jobs famously said this in response to a provocative question from one of the audience members about the company’s strategy at the time:

You’ve got to start with the customer experience and work back toward the technology – not the other way around.

Today, many companies have forgotten that the essence of running a business starts with the customer. The idea behind being successful at customer service management is to build and execute a strategy that revolves around a clear philosophy, a plan of action, and choosing the right technology stack that supports those plans.

The 5-step customer service management plan for your business

1. Building a robust and scalable support teamThe first step in your journey of establishing customer service management is putting together your very own A-team. There are two parts to this: hiring and training. Let’s take a look at both

Part 1: Hiring the right personnel for the job

People are your most important resource, especially when it comes to customer service. Here’s what you should look for when hiring service reps:

Social skills

Empathy: We start off with what’s probably the most important quality to look for when hiring a support associate. Empathy is crucial because it makes it easier for your agents to put themselves in the customer’s shoes and handle difficult conversations better.

Patience: Customer service reps are often in high-stress situations, with tight deadlines and high customer expectations. However, presenting a calm, helpful demeanor can diffuse even the hardest situations. Having the patience to listen and respond appropriately to situations is an important skill to possess.

Persuasiveness: A support rep needs to be an effective communicator. This is not limited to just getting a message across clearly but ensuring that message is persuasive and reassures customers who might not be in the right frame of mind.

Hard skills

Decision making: Customer service reps have to make important decisions in a short period of time when dealing with issues. It could be having to allow a concession or even taking a call on whether an issue needs external support.

Logical thinking: Keeping a calm head and making calculated decisions is necessary for support reps to analyze situations and solve problems efficiently.

Knowledge management: Customer support associates need to have the capacity to acquire and absorb essential information about company policy, support processes, etc., to provide customers with the best possible solutions.Part 2: Defining roles and responsibilities

The next step in customer service management is creating well-defined roles for your team members. These roles will depend on the size and scale of your customer service team. But in general, these are the primary members you’ll need:

Customer service/support associate: The customer service associate or representative is the first line of offense and defense for your organization, making them the most important member of your team. They deal with day to day complaints, handle different channels, and reroute high priority issues to the right personnel.

Customer support engineer: The support engineer is usually a domain expert or a product specialist who can deal with complex or technical issues that require bug finding or troubleshooting.

Customer support lead/manager: The manager oversees the work being carried out by support engineers and service reps while also stepping in for critical issues as necessary.

Technical account manager: The technical account manager or TAM is a special role within the support team, where he or she is in charge of one or more large customer accounts that require special attention because of the size of the account.

Support operations analyst: The support operations analyst/ helpdesk analyst’s primary responsibility is to analyze performance and productivity data to help managers make hiring and operational decisions.

Head of support: The director of support heads the entire customer service department. Their responsibilities span from strategizing a plan of action, understanding resource management, and ensuring the quality of customer experience.

2. Training programs and shift management

Regardless of how big or small they are, all support teams need to be trained on how to interact with customers. Training programs will vary based on the company as well as the customer service philosophy but forms the crux of the quality of customer service management. But here are some aspects you’ll need to train new hires on:

Support process: What is the workflow your company follows when it comes to solving customer issues? What are the different levels of support? What queries are classified as low or high priority? Answers to these questions are what support reps need to know before starting their work every day.

Channel classification: Identifying the channels of communication most relevant to your business/target customer is critical to getting CX right. Once you have that in place, train your support reps on the tone of voice and communication etiquette for each of these channels. For example, chat & social media conversations will both have very different conversational tones, while phone and emails continue to have a more formal tone.

Crisis training: Situational awareness can only get you so far. Support associates need to know how to handle high priority issues where customer and business revenues are on the line. Crisis training is a great practice to prepare team members for such scenarios so as to minimize improvisation and maximize the effectiveness of problem-solving.The second thing support teams need to figure out is shift timings. There are various shift schedules and customer service models you can use based on the volume of queries your team supports. Here are just a few examples:

Follow the sun model: Follow the sun model is based on the principle of spreading your customer service team across several locations around the world. This is effective when you have to provide 24/7 support but also have a global presence.

Traditional 24/7 model: The most commonly used support model where call centers are present in the same geographic region, and there is a handoff between different shifts.

Remote/distributed model: A fast emerging model of support because of both situational factors and the flexibility it offers in terms of team members being spread out and being able to work from any location.

3. KRAs and performance management

Keeping track of how well your team is doing helps identify the strengths and weaknesses in your customer service management process. Having certain KRAs and KPIs in place helps you continuously measure performance and ensures you keep improving your support processes. Here are a few parameters and metrics that can help set benchmarks and standards for your support team.

External/Customer facing metrics

Customer feedback is the most crucial tool in your arsenal. Without understanding what the customer thinks, you can’t move forward. Here are three important customer metrics you can measure:

CSAT: The most commonly used metric across industries and businesses to measure customer feedback. CSAT is a simple survey tool where customers can rate their experience on a scale of 1-10.

NPS: NPS or net promoter score is a great metric to measure and understand customer loyalty. The question “ How likely is it that you would recommend our company/product/service to a friend or colleague?” is presented to customers who have to respond on a scale of 1-10. Customers who respond with a rating between 9-10 are protractors or advocates of your company, 0-6 are detractors, and those who respond with 7 or 8 are passive or neutral.

CES: Customer effort score is a relatively new metric that takes into account how easy or difficult the experience was for the customer and how much time and effort they had to put in during the whole process. In the survey, customers are asked: “On a scale of ‘very easy’ to ‘very difficult’ how easy was your interaction with our company.”

Internal support metrics

Analyzing your team’s performance is as important to maintaining service quality as is gathering customer feedback. To understand who’s doing well and who needs help, here are some metrics you can measure:

First contact resolution: Measures the percentage of issues resolved by the agent on the first contact or conversation with the customer.

Ticket volume: Measures the number of tickets your team receives on a monthly or weekly basis and is one of the factors that go into demand forecasting and hiring

Average response time: A metric that tells you how long it takes on average for an agent to respond to a customer query.

Average resolution time: Measures the average time it takes an agent or support team to close out a customer issue.

4. The role of the customer service manager

The customer service manager has to play both a strategic and operational role while enabling the support team to achieve their goals. Lets breakdown what responsibilities that translate into:

Agent roles assignment: The manager is responsible for assessing the skills of agent hires and assigning them the right roles and the right channels to handle.

Shift Schedule management: A very critical role the customer service manager plays is that of deciding shift timings and schedules based on volumes, availability, and other factors.Hiring & staffing: The customer service manager needs to have one eye on his team’s performance and support volumes so he can hire new employees beforehand.

Performance review: The manager needs to keep track of overall group performance as well as customer feedback and take the necessary steps to ensure consistency of customer service.Incident/escalation management: When there is a major issue that junior members of the team cannot handle on their own, the manager needs to be able to step in and resolve the issue swiftly and efficiently.

Stakeholder review: Monthly or quarterly reviews will be conducted with the head of support and other important stakeholders where the manager needs to give his valuable input so the right strategic decisions can be made,

5. Choosing the right tech stack

We now come to the last piece of the puzzle — deciding on your support tech stack. Technology can make a lot of the operational and administrative work simple while giving organizations greater visibility into their support processes.

But the biggest reason the right tech stack cannot be overlooked is because agents who are on the frontlines are the biggest beneficiaries. With that, here are some of the features/functionalities you need to consider when choosing customer service software:

Self-service: Having self-service options such as a knowledge base or an FAQ can be extremely helpful for both customers and agents. For customers, it’s a way to find out information for themselves without having to contact an agent or wait in a call queue. You can also build an internal knowledge base for agents to refer to when looking for quick answers to repetitive questions.

Omnichannel: Email and phone might still be popular channels for support teams, but they’re not always the right support channel because your customers sometimes prefer modern channels like chat and social media. Therefore it’s important to have the right mix of channels that match your customer needs. A customer service software like Freshdesk lets you choose the channels you want your customers to engage on.

Chatbots & messaging: Millennial customers today want responses instantly, and the best way to achieve that speed is through messaging integrated with AI and chatbots. With chatbots, you can set up automated workflows to take care of status requests or help customers get refunds on orders. Freshworks’s Freddy AI-powered chatbot helps your team accomplish such tasks and more.

Reporting and analytics: The last feature that will complete the essentials of your support tech stack is a reporting and analytics tool. Having the ability to build customized dashboards and reports to generate actionable insights into your support performance is the most effective way to improve and scale your team. Freshdesk has an inbuilt analytics tool that makes it simple to measure and collate all the essential metrics for any support team.

How good customer service management can earn CS leaders a seat at the table

Customer service management has become a highly discussed topic of late because of how the world has changed dramatically, especially in 2020. CXOs across businesses are looking to their customer service teams to gain insights into customer behavior to modify their approach to selling products and services and build better relationships with customers.

In 2021 and beyond, we’ll see more organizations adding someone from the customer service department to the decision-making table because their input is now arguably one of the most important ones when making strategic decisions going forward.

How To Legally And Safely Boost The Size And The Strength Of Your Muscles

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By Don Richie

If you regularly read sports news today, you would have already noticed that so many top notch athletes get questioned or exposed for using illegal substancessteroidsto boost their muscles.

Using steroids involves lots of money and facing multitudes of legal issues. And on top of all that, these substances pose potential problems for your health. Knowing the negative things steroids can potentially do for the health, you wouldnt help but wonder why there are so many people who use them.

Researchers in medicine have gained new knowledge regarding how our bodies build muscle and how we gain endurance. They are now starting to develop substances that are safe and legal while still effective in boosting the ability of our bodies to build muscle. These new substances are without the health risks usually associated with the use of steroids.

A research which aims to develop a muscle boosting substance proves to be very interesting. It studies Nitric Oxide, a naturally occurring chemical compound. Nitric Oxide belongs to a group of substances called vasodilators which help transport oxygen to the muscles in situations where the muscles badly need oxygen. If the blood stream contains high amounts of Nitric Oxide, the walls of the blood vessels relax, allowing more blood to be pumped into the muscles. More blood means more nutrients and oxygen are being circulated.

[youtube]http://www.youtube.com/watch?v=xhrUVW7c-FI[/youtube]

Nitric Oxide concentration naturally increases in the body during intense physical activities, but in limited amount only. Researchers have found out that by artificially boosting the Nitric Oxide levels in the body, there is a significant increase in the flow of oxygen and nutrients into the muscles during intense workouts. This safely sparks powerful muscle growth, strength development and muscle definition improvement.

The best method of increasing the Nitric Oxide level in our body is by introducing “arginines”, a group of special amino acids associated with the production of Nitric Oxide. Among the best and natural blends of Arginine blends can be found in a product commercially distributed as Force Factor.

The Force Factor founders met when they were all members of the Harvard University Championship Crew Team. It is a known fact that competitive rowing is among the sports that are the most physically demanding. The friends, then teammates, decided to search for supplements that are legal, safe and affordable in order to enhance the size, strength and the endurance of their muscles. They were, however, unable to find anything, so they decided to develop their own. Their attempts resulted to Force Factor. Force Factor today is recognized as the leader in enhancing the size and the strength of muscles through the use of Nitric Oxide.

The company says that Force Factor can produce noticeable results from the first day, including increased alertness and energy. In just weeks, users would be able to notice a positive change muscle size, strength and definition.

Healthy nitric oxide levels also have additional benefits, including faster wound healing, a stronger immune system, and since it increases the blood flow throughout the body, it has also been shown as an effective way of treating erectile dysfunction in males.

So far, Force Factor has been widely used by athletes, body builders and people who are looking for significant results from working out.

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Latin America Construction Equipment Market (2020 2026)

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Market Forecast By Types(Cranes (Mobile Cranes, Crawler Cranes, Tower Cranes), Earthmoving Equipment(Loaders, Excavators, Motor Grader)), Aerial Work Equipment(Articulated Boom Lifts, Telescopic Boom Lifts, Scissor Lifts), Material Handling Equipment(Telescopic Handlers,Forklifts), Road Construction Equipment(Pavers,Road Rollers), Dump Trucks, Construction Tractor And Bulldozer), By Applications(Construction, Oil & Gas, Mining), By Countries(Brazil, Mexico, Argentina, Rest Of The Latin America)And Competitive Landscape

As per 6wresearch, Latin America Construction Equipment Market is expected to grow during 2020-2026.The Latin America construction equipment market report comprehensively covers the market by types, applications and key countries including Mexico, Brazil, Argentina and rest of Latin America.

Key Highlights of the Report:

Latin America Construction Equipment Market Outlook.

Latin America Construction Equipment Market Trends and Industry Life Cycle

Latin America Construction Equipment Market Overview on Competitive Benchmarking

Porter’s Five Force Analysis

Latin America Construction Equipment Market Overview.

Market Opportunity Assessment

Latin America Construction Equipment Market Share, By Players

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6Wresearch is the premier, one stop market intelligence and advisory centre, known for its best in class business research and consulting activity. We provide industry research reports and consulting service across different industries and geographies which provide industry players an in-depth coverage and help them in decision making before investing or enter into a particular geography.

Forex Tester 2 Review

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Mt5 Automated Trading

Forex Tester 2 Review

DivisaFX

For anyone looking for a way to simulate live Forex trading using historical data, or test and optimize any automatic Forex trading system for real and accurate results, I highly recommend Forex Tester 2.

Have you ever wondered why some Forex traders learn and improve themselves far quicker than you do? Maybe you\’ve been demo trading for months or even years, while you observe people coming into the game later than you starting on their live account trading within weeks and winning. It could be that they\’re the lucky few that are naturally talented in the art of Forex trading… but it\’s far more likely that they\’ve been practicing on Forex Tester 2 and getting years of live trading experience under their belts in a matter of weeks with a broker like PFGBest.

That\’s the power of the Forex Tester 2 software – it allows you to simulate years of historical trading data as if you were trading it live and on the spot! That means that you can reap the benefits of \”repetition, practice and reinforcement\” and start your real live money Forex trading career as a seasoned veteran ready to go toe to toe with the big boys.

How The Forex Tester 2 Live Trading Simulator Works

[youtube]http://www.youtube.com/watch?v=fl1i9snXRTU[/youtube]

As a beginner in the Forex markets, your biggest disadvantage is that you don\’t know what works, and what doesn\’t. The market can be very deceptive in this regard, because many times your eyes can play tricks on you by \”seeing\” patterns that aren\’t really there, or missing critical signs that a trade is about to go south. So if you\’re trying to come up with a working Forex trading strategy through live demo trading or going through the last few months of historical data, that\’s not nearly as good as being able to simulate 10 years of historical price data in a live trading format. And that\’s exactly what Forex Tester 2 will allow you to do.

With Forex Tester 2, you\’ll be able to test any trading strategy you can possibly think of and see how it performed in historical trading. It comes complete with every major trading indicator, including Moving Averages, Bollinger Bands, MACDs, Pivot Points, Parabolic-SAR, RSI, Stochastic, Keltner Channels, Heiken Ashi candles, and many more. You can also test 18 major currencies with abroker like

PFGBest

, including the ever popular gold and silver markets that have been going crazy recently.

Forex Tester 2 allows you to literally trade the markets as you would see them live in real time. That means that you won\’t know what happens next, removing any hindsight bias that would affect your trading decisions. The simulator also allows you to slow down or speed up time, so that you can \”live through\” weeks or even months of trading in a matter of days. It\’s a tremendous learning tool that blows the socks off demo trading, because you get to control time instead of being controlled by it. You get to simulate trading after work, during weekends and anytime that is convenient for you really.

Using Forex Tester 2 To Test The Viability Of Any Trading Strategy

The biggest advantage of Forex Tester 2 is that it will allow you to analyze any trading strategy and optimize it for the best possible performance a lot faster than you could with a demo account with a broker like

PFGBest

. For example, if you were trading a strategy on demo, you might realize that there is a potential improvement to your strategy after a couple of months of trading the original. You\’ll likely need another few months to confirm that your new parameters are superior, and even then you\’ll never be 100% sure that it is because you\’re not comparing them based on the exact same time period. By using the historical simulator, you get to compare like for like and determine what the better parameter is within hours, not months.

Not only do you get to use the Forex Tester 2 simulator to optimize any manual trading strategy you have, you can also use it to test and optimize any automatic Forex trading system as well. That\’s because FT2 comes with a full set of tools for back testing systems, and giving you not only the performance statistics of your system in the historical testing period, but an accurate measure of whether your system is robust enough to replicate those results in the future.

All in all, whether you\’re a fresh new trader, an experienced veteran looking to hone your skills or a passive trader utilizing automatic systems, Forex Tester 2 can and will give you an unfair advantage over any other trader out there. So why use \”stone age\” tools for your trading when you have the best cutting edge software at your disposal? Try it out for yourself with a free demo of Forex Tester 2 to see if it is everything you need to take your trading to the next level today!

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Low Interest Personal Loans: Quick Personal Guaranteed Finances

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Low Interest Personal Loans: Quick Personal Guaranteed Finances

James01 Martin

All individuals want to get certain things out of live and see themselves in a certain place later on, but these goals are often connected to a price tag. Everybody is awaiting their home egg to hatch out into an amazing Arizona only to discover the patiently waiting never seem to finish. There is a way in all directions this trouble though and that are low interest personal loans. If you feel you are ready to get into the world of credit then a loan could be the factor for you. The best way to go about this would be to individually go into your closest financial institution to see a loan advisor. This is the fastest way to get your loan completed as the advisor will process your program straight after your conference and they can also response any concerns you might have.

If you have a hectic routine and do not have the time to go into your financial institution individually the substitute is stuffing in a program on the internet. Most financial institutions provide program for the loan services on their sites. The on the internet program does not take lengthy and the loan is not completed until an advisor from the lender mobile phones you. This method of implementing may take a little while longer but it will still give you the same factor, cash secured.

[youtube]http://www.youtube.com/watch?v=BvPOW_W-08k[/youtube]

Banking may not be the remedy for everyone but there is another option. There are many separate funding companies that provide just an efficient and sincere service. If you do some analysis you may discover some separate companies have lower interest levels and easier acceptance specifications. Once your loan is accepted you will have a few choices to make like how you should spend it. One of the greatest reasons individuals themselves taking out low interest personal loans are to pay off several small financial obligations, having just your loan to pay each month. This is very beneficial when all the small expenses start to load up.

Another reason to get a group sum in the form of your own loan from the lender is to get. There are wide ranges of ways to get fast bad credit loans. Property is always very popular and is a great resource to have. The stock exchange is also an opportunity to be regarded; you can obtain companies you like by buying stocks. Other options are financial commitment techniques and guidelines. If you strategy low interest personal loans with care and do your analysis thoroughly. Including some knowledge to the mix especially when it comes to investing your new lot of money, your own loan from the lender could be an amazing factor to have. You will wonder why it took you such a lengthy time to obtain one.

When considering the loan, be sure to think about the drawbacks. For example, the charges are not tax insurance deductible while the attention on a loan properly secured with property usually is. Also, prices can easily be higher than 10 percent on a financial loan. Mortgage and house loan prices are much lower than that. That means you will end up paying far more attention on a personal loan than you would on a house loan for the same amount.

If you decide to get one, remember that the amount you get will not be as excellent as it would be with a properly secured personal loan. This makes it is especially important to evaluate as many offers as possible so you get the best amount available to you and also pay as little in charges as possible.

So, if you aren\’t sure that your wage could manage another kind of payment, then maybe you should think hard before you do apply for Low Interest Personal Loans. Not only will finance restrict you of your monthly budget, it could also be problematic especially if you are not prepared with the loans attention levels.

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Healthier Diet For Busy People (For Virtual Employees)

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Submitted by: Carla Loteria

Most virtual assistant are prone to unhealthy diet that might lead to weight gain or worse, obesity. Because their work is mostly sitting in front of the monitor then their hands and brain do the work. I m 21 years old but since I gone through cystectomy when I was 19, I start to eat healthier food specially when I got my 1st job as a Internet Marketer at RemoteWorkmate.com. Most of my tasks are merely thinking, typing and clicking.

I have to keep healthy and fit , I told myself, so I go to the gym every now and then, cardio exercises like walking my way to the station rather than riding a tricycle when going to my office, eat less but more veggies.

I have researched some basic things to remember when your work involves sitting and thinking.

SPLIT EXERCISE Sometimes it s tricky to find a half-hour chunk of time when you can exercise. How about doing three ten-minute sessions instead? Get up ten minutes earlier, and do some stretching and weight-lifting exercises while you re still in your pajamas Escape from the office for a ten minute brisk walk at lunchtime (just don t make it a trip to the pub or newsagents ) Spend just ten minutes in the evening doing something active: pick your two favorite tracks and dance enthusiastically to them, jog on the spot during the advert breaks, or dust off that exercise bike in the garage.

[youtube]http://www.youtube.com/watch?v=GTYTauMBDt4[/youtube]

It might not seem like a lot, but over the course of a week, you could burn over 1,100 calories equivalent to a whole day s food allowance for some dieters just by doing the above exercises every day (figures based on an 11 stone woman)

ExerciseDurationCalories

Stretching/weights10 mins40 Brisk walk10 mins46 Jogging10 mins82

This comes to: 168 cals/day 1176 cals/week

VEGETARIAN VALUE Meat is much more expensive than vegetarian sources of protein. Try having a couple of meat-free evening meals during the week. A tin of mixed beans can work well in chili, and tofu can replace chicken pieces in a stir-fry. Many (though not all) meats tend to be high in fat, too, so you ll be helping both your wallet and your diet.

NEVER SKIP BREAKFAST According to a new weight health study, people who regularly eat breakfast are 55% less likely to become obese or diabetic.

t s important to acknowledge those excuses that have held you back in the past. Get a piece of paper and write down any reasons which you use to convince yourself that you don t want to change, or which make you feel you can t change.

For example, I ve tried diets before and they never work. That was my excuse as a teenager.

When I was seventeen, I realised why diets had never worked for me: I d start a new one every Monday then give up and turn to food as soon as I was bored or upset. And I saw dieting as something I should do rather than something I wanted to do.

But I realised I could turn this around. I wanted to lose weight for myself because I knew I d be healthier. I wanted to take care of my body by eating proper meals and nutritious food rather than constantly snacking on crisps and chocolate. And this time, I wasn t expecting instant results. There was nothing wrong with the diets I d tried before just my attitude towards them.

If you love your life, love your health. There are no excuses in being healthy, you just have to set your mind that you OUGHT to be healthy. Start to be healthy or die early.

About the Author: Head, Marketing DepartmentRemoteWorkmate Virtual Assistant

remoteworkmate.com

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Hmo/Hra’s, A ‘Lid’ To Your Boiling Employee Benefits Issues

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Termination Of Employment Policy Australia

By Stuart Lambert

When considering Health Reimbursement Account (HRA) products as a strategy for your organizations health and welfare benefits, it is important to understand the features, benefits and potential return on investment (ROI). For example, if you have an manufacturing organization that has a predominately male population, you may want to seriously consider this option. As a fully integrated product, the modern HRA/HMO requires no additional time or resources from a participant and or the Human Resources department.

‘One of the main things that I like to point out regarding the HRA products, especially the HMO/HRA product from Aetna that is fully integrated, is that health insurance is built around the ‘sick.’ ‘With the ‘fund’ being ‘Fully Integrated’, this process makes the addition or usage of the fund, seamless to the employee. When the employee goes to the Doctor, he pays his co-pay etc. Anything else that he has done is sent to the carrier on a claim form, and if the fund applies, then the fund is applied (from the carrier) until exhausted, at which point, the employee would have out of pocket responsibility. However, the employee and the doctor will receive an EOB explaining exactly what was utilized from the fund, including remaining balance as well as additional funds required etc. This means that with 80% of a carrier’s claims experience being generated by only 20% of the population, there is about 80% of the employee population that is truly not getting a ‘benefit’ from the benefits that are put in place,’ says Kevin P. Robinson

The average employee goes to the doctor one or two times a year, pays their co-pay and maybe gets a drug. However, at renewal time, due to that other 20%, this employee is then faced with the same 15%-25% increase, which is ultimately driving our ‘healthy’ population out of this insured pool as he can get a cheaper plan through individual coverage. This is called ‘Adverse Selection,’ says Kevin P. Robinson with The LBL Group. Estimated savings of implementing a HRA/HMO plan could range anywhere from 4% to 18% when compared to a standard HMO plan (Aetna Data Analytics, January 2008).

‘We need to have the ‘young, single, healthy male population, but with there not being a true ‘benefit’ in place for them, unfortunately, they are pulling out of the group coverage because it doesn’t make sense for their situation. An HRA gives them a fund that they can utilize, so in all actuality, they are getting ‘free coverage’ until their ‘fund’ is exhausted. What this does, is it truly provides something for everyone. The 20% utilizers, get a little relief for their out of pocket, but they are also required to pay more once that fund is exhausted, but the 80% are getting that fund, and the fund (or what is left at year’s end) rolls from year to year and has the addition of a new fund at the beginning of the year. So basically, that fund will eventually be large enough to cover the deductible and possibly the entire Out of Pocket Maximum (OOPM) for an entire year. This also keeps the employees w/the existing employer as this ‘fund’ is just part of the premium, and stays w/the carrier (through the employer). The bottom line is that this is very true, and a huge issue. The HMO/HRA is another ‘lid,’ says Kevin P. Robinson with The LBL Group.

Controlling Medical Costs

As medical costs continue to rise, employers are looking for opportunities to save money. For example, the Aetna HealthFund HMO combines the most popular features of typical HMO plans, i.e. copays for office visits, with consumer features that help employees increase their understanding and control of their personal health care spending. In conjunction with online tools and support, employees can save money by making better decisions around the purchases they make on health care. Furthermore, the features incorporated in Aetna’s HealthFund HMO, provides health coverage employees need at a cost that’s beneficial to the employer.

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When looking at an HRA/HMO plan, consider the following plan benefits:

– A Health Reimbursement Arrangement (HRA) fund

– Traditional HMO medical plan

– Optional Pharmacy rider

– Consumerism tools and information

‘There are only 5 services for which the fund applies – for example, if you put a 100% $750 deductible HMO/HRA w/a $250 fund in place, the employee’s max OOP would be $500 ($250 fund + remaining $500 balance of the $750 deductible) before Hospitalization goes to 100% coverage. Hospitalization is the key word here, as that is usually the big ticket item w/health insurance,’ says Kevin P. Robinson

– Emergency Care

– Hospital Care

– Outpatient Surgery

– Home Health Care

– Durable Medical Equipment

The Health fund could range from $250 to $1,000 for individuals and $500 to $2,000 for families. In relation to the fund, it will reimburse covered services and supplies that are applied to the plan’s deductible. ‘Copays are not eligible for fund reimbursements as they are not applied to the plans deductible and all fund reimbursements for covered eligible expenses are sent directly to members. At year end, any unused fund balance can be rolled over to the next year. However, members forfeit any unused balance when they discontinue participation in the plan,’ says Aetna.

When deciding on an HRA/HMO plans, it is important to compare hospital networks, doctor networks and other provider networks so that your employees will not be discouraged to enroll or take advantage of the benefits offered. Aetna offers members access to a Hospital Comparison Tool, Estimate the Cost of Care Tool, Healthwise Knowledgebase, Aetna InteliHealth website, DocFind, and The Personal Health Record (Aetna Registered Trademarks). Tools, resources and websites like this gives members secure access to their personal benefits information, with self-service features. Members will be able to securely access items such as: checking the status of a claim, finding a doctor, reviewing their health fund and deductible balances.

By incorporating HRA/HMO plans, employers are able to take advantage of key cost savings while offering their employees great benefits. Plans like Aenta’s HealthFund HMO, is robust, affordable, accessible and teaches employees to be proactive.

About the Author: Stuart Lambert is the Vice President of Marketing & Operations for The LBL Group. Stuart is responsible the strategic business development and managing The LBL Group located in Los Alamitos, California.

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Sports To Help Children Make Friends}

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Best Acting Classes Sydney

Submitted by: Christine Dunbar

Sports have always been one of the effective means of building friendships amongst children. It is easy to become friends with other kids who have the same practice schedule and must learn to work as a team. With a coach to guide them they learn to trust each other and rely on the strengths of the group as a whole. This trust and time spent together often turns into long term friendships.

Children learn that others count on them and that if they continue to work together that the team gets better. This often leads to groups of children practicing on their own and becoming even closer. You can see teams who have a good chemistry and get along better. They often win more games, have lots of happy children, and lots of ice cream outings with the coach and teammates.

This is not always true and in some cases whole teams get along great and may still lose games. Friendships really get built when this happens.

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Children look to their friends even more when times are tough and who better to discuss your teams loss with than your team. It is a right of summer to see two best friends in the local park pitching a baseball back and forth. These practice sessions become a part of the kids lives. They might know more about the kid they are throwing too then they do about their family. Almost everything you could want to learn in being a friend can be learned in sports.

Sports teach some of the most basic ideas of friendship. Sharing, accountability, generosity, sacrifice, and communication are all learned playing sports. When you join a team for the first time you must learn to accept and define boundaries and still work together for a common goal. This working together helps mold us into good friends later in life. Children grow so much in just one season of athletics. As your child matures and maybe decides playing sports is not for him or her sports can still be a part of their lives.

Most high schools have a team assistant or two. For most schools they are students who don’t play sports but still enjoy the close knit sports outings. Cheerleaders and the school band often all show up to high school games bringing large groups of children together for a common cause. This can spawn friendships between different groups of children who might not see much of each other normally.

One more friendship that often develops from sports is the one between the coach and the kids. Kids learn so much of how to act from the coach that he becomes a mentor. In pro sports you always hear guys thanking that special childhood coach who taught them to be good teammates and good people in general. These are often the first times a child forms a bond with adult other then family members. And in the best cases the coach is a players father and this builds a close and lifelong friendship even more.

About the Author: Christine enjoys writing about a variety of topics. For more information about a

childrens gym

, visit The Little Gym.

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Cell Phones In Today’s Society

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Cell Phones In Today’s Society

JaneEdwards

Cell phones have evolved from being a thing of luxury to necessity. Its technology continuously progress, from being cumbersome to carry around to its now ultra chic and modern style and features.

Thanks to the satellites and wireless service providers, cell phone s connectivity is better than ever. It does more than making and receiving phone calls, it is now capable of video conferencing, SMS, MMS, even data storage, picture and video taking and sharing. Aside from these, it also acts as your personal assistant ranging from its clock and calendar features which keeps you updated with your meetings and other dates to remember. It can even soothe you from your daily stress just by playing the music from your phone or simply enjoying your downloaded book or games application.

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Many cell phones are now capable of expanded storage system which makes it easier for file transfer and sharing just by syncing your phones to your PC or lap top. Similarly, its internet access along with its blue tooth capability and GPS technology allows you to work and access your phone just about anywhere in the world. This feature suits the working professionals very well, making the cell phone a portable office and personal assistant all in one. Similarly, because of these features, travelling is now easier since it allows access to resources ranging from itineraries and reservation to mobile banking and stocks updates to sending and receiving data which saves time and money.

Another thing to be thankful for having these cell phone innovations is being connected at all times. It comes in handy especially if you are confronted with an emergency. It allows you to call for help in times of trouble which could save lives. Its camera function also comes in handy should you immediately need to take pictures of accidents or dissuade your assailant.

Advances in cell phone technology and wireless service providers give the consumer the edge of selecting their cell phone which caters to their needs and their budgets. These technologies brings us closer notwithstanding the busy lifestyle we all lead since it reaches far and wide which brings technology to rural and even to far flung areas which correspondingly brings us together as one community and using it to our advantage.

If you are looking to cash in on any old phones then use the

sell cell phone

price comparison service offered at www.SellCell.com. This will enable you to sell your old cell for the best price possible and help the environment in doing so.

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