Archive for the 'People Management' Category

Dec 01 2009

5 WAYS TO BREED INNOVATION

It Doesn’t Fall From The Sky

                                                   

…Innovation Needs Ignition

 

 

We’ve all heard  how the lousy economy is getting better now, and will soon (fingers crossed behind backs) be booming again. And even those of us who are eternal optimists know better than to believe a word of it.

Small business owners and operators and managers  know that only job creation will turn the tide, and that job creation will only come from increased sales, and that increased sales will only come from great customer service and … INNOVATION.

Here are ways/attitudes/ideas  that can help jump-start innovation (the development of new products, services, markets, ways of doing things, from ignition to blast-off to orbit and back) beginning right now:

1. Do not tolerate paralysis. Some action is always better than no action. Inspire a “Do it” mindset and reward failures when genuine efforts are made.

2. Try stuff!  Test it out. Ask customers and suppliers what they think. Convene quick focus groups. Scramble together as much quick feedback as possible and LISTEN to it!

3. Instill a sense of urgency  about taking initial ideas all the way through the thought and strategic launch process. Insist on thorough thinking done quickly. Don’t wait for lengthy studies, follow-up meetings, and long assessments.

4. Be open and receptive  to and encourage bizarre and eccentric and cyberspace thinking, but cultivate ongoing teamwork to shake ideas loose and get them organized and moving.

5. Get EVERY one engaged. The best results can sometimes come from the least expected sources. Make EVERY one who contributes part of the launch crew, with small frequent reinforcement rewards (fresh fruit in the lunch area, personal handwritten thank you and acknowledgment notes mailed to “The Family of” at home addresses, local news releases, website mentions)

     Remember that it doesn’t take much to shake things up  and spur some new innovative activity, but it can take a lot of work and a long time to restore order if you try to take things to fast in too many directions at the same time. Keep the ideas flowing. Keep each step of the way a product of organized teamwork. And keep control.

You need to ignite fires and encourage brainstorming with one hand, then bring things into realistic focus with the other. Yes indeed, you are once again in that old entrepreneurship attitude that you thrived on when you started.

Maybe you’ve lost touch  in recent times with some of those “egotistical, competitive, passionate, persistent-beyond-belief entrepreneurial traits” (Thank you Tom Peters and Nancy Austin in “A PASSION FOR EXCELLENCE…The Leadership Difference”)?

Perhaps someone convinced you not to worry about it because the economy is turning around? Perhaps it’s time for you to turn your business around with more innovative pursuits and action. Perhaps?

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Hal@Businessworks.US       931.854.0474

Open   Minds   Open   Doors

Make today a GREAT day for someone!

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Nov 30 2009

The “People Part” of Business

HAPPBIRTHDAY!

                                                                                                                              

Two simple words, delivered by the boss — with a sincere smile, handshake or back pat, maybe even a balloon or courtesy lunch or coffee break — can work wonders for your business.

     Your people are your most important asset. Your genuine and personal recognition of the single most important day in the life of each employee will come back to you a hundred-fold. Because? Because people talk. And because everyone talks about being appreciated … especially in today’s hard-times existence. 

     It’s become such a rarity to get unsolicited recognition  of any kind, that many people go out of their way to actually ask for it once a year … some boldly, some demurely, some jokingly. “Well, it’s my birthday today,” slips from the lips of total supermarket strangers.

     And what’s the response?  “So what! Who cares?” Not a chance!  Aren’t the next three words always: “Oh, Happy Birthday!”? And except for temper-tantrum toddlers or emotionally-fragile teens, when have you ever seen “Happy Birthday!” not produce smiles?

     For business owners and managers, the bottom line is that the small amount of time and effort required to acknowledge staff and associate birthdays pays big dividends in productivity, loyalty, renewed commitment to company goals, and overall spirit of cooperation. Enthused recipients can foster sales as well.  

     Do you even know the birthdays of everyone who works with you? What about investors, referrers, key suppliers, loyal customers? This isn’t just a local restaurant or chiropractor gimmick to get you back in their doors. This is simply a nice (and smart) thing for every boss to do!

     You’ve been looking for inexpensive high-impact ways to grow your business. This approach is a no-brainer. Do a little birthday homework here. With the right kind of twist, employee birthday news releases and captioned photos can even be newsworthy enough to warrant coverage. (Need help with that angle? Send me an email.)

     Before you decide to shrug off the idea and dismiss it as a frivolous waste of time, question whether it really is, or are you choosing for it to be because you don’t identify with these kinds of values? Fact: As an entrepreneur, you may not need as much recognition as others because you’re more interested in making your ideas work.

     THIS is one idea that will get others interested in helping you make your ideas work. And since all behavior is a choice, this investment in others who work with you is a choice. It’s your choice.

Is it your birthday? Happy Birthday!  

With special appreciation for inspiring tonight’s post to a former star student, Celest Benn (“The Birthday Lady”) with one million subscribers @

www.FREEBirthdayStuff.com

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Input always welcome Hal@BUSINESSWORKS.US “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

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Nov 29 2009

Compulsiveness Spells Business Failure

No Room In The Inn for

                                         

Obsessive-Compulsives

                                                                                              

     Yes, you are the boss. And yes, you are expected to wear many hats.  Aside from critically important financial and operations management, your two most important hats are people-related: Customer Sales and Service, and Human Resource Management.

     In other words, on top of everything else, you need to be a shrink!  Not a treating MD-Psychiatrist, but a savvy leader who stays tuned in to your staff and each person’s needs and progress. You also need to be as Thoreau once advised: forever on the alert.

     If you observe any OCD (Obsessive-Compulsive Disorder) behavior happening,  nip it in the bud before it brings your business to its knees. All of us it seems have some degree of obsessiveness and compulsiveness, but OCD is when it goes over the top. And even then, it’s legitimate, and it’s usually a treatable problem.

     What to do:  Don’t jump to conclusions. Be empathetic and understanding in approaching a suspected OCD person. Lawyers might advise including a third person in the exchange. Arrange for professional help. Check the following symptoms and consider shifting job responsibilities to a less-sensitive area pending physician feedback.   

What are some common obsessions?

  • Fear of dirt or germs
  • Disgust with bodily waste or fluids
  • Concern with order, symmetry (balance) and exactness
  • Worry that a task has been done poorly, even when the person knows this is not true
  • Fear of thinking evil or sinful thoughts
  • Thinking about certain sounds, images, words or numbers all the time
  • Need for constant reassurance
  • Fear of harming a family member or friend

What are some common compulsions?

  • Cleaning and grooming, such as washing hands, showering or brushing teeth over and over again
  • Checking drawers, door locks and appliances to be sure they are shut, locked or turned off
  • Repeating, such as going in and out of a door, sitting down and getting up from a chair, or touching certain objects several times
  • Ordering and arranging items in certain ways
  • Counting over and over to a certain number
  • Saving newspapers, mail or containers when they are no longer needed
  • Seeking constant reassurance and approval

     How common is OCD?  Some recent studies show that as many as 3 million Americans ages 18 to 54 may have OCD at any given time. It affects men and women equally.

     What causes OCD?  There’s no single, proven cause. Some research shows that it may have to do with brain chemicals that carry messages from one nerve cell to another. One of these chemicals, serotonin, helps keep people from repeating the same behaviors over and over again. Someone with OCD may not have enough serotonin. Many people with OCD can function better when they take medicines that increase the amount of serotonin in their brain.

     Are other illnesses associated with OCD?  People who have OCD often have other kinds of anxiety, like phobias (such as fear of spiders or fear of flying) or panic attacks. They may also have depression, attention deficit hyperactivity disorder (ADHD), an eating disorder, or a learning disorder such as dyslexia. Having one or more of these disorders can make diagnosis and treatment more difficult, so it’s important to talk to a medical doctor about any symptoms present.

Source:  www.FamilyDoctor.org  and

The American Academy of Family Physicians

# # #               

Input always welcome Hal@TheWriterWorks.com “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

Subscribe FREE to this blog list-protected RSS email…OR $.99/mo Amazon KindleCreative? Add YOUR 7 words to the 408 day 7Word Story (under RSS) Get new Nightengale Press book THE ART OF GRANDPARENTING See: http://bit.ly/3nDlGF

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Nov 27 2009

Most Valuable Customers Are Those Who Wait!

Are your customers

                                      

your personal Guests?

                                                                                 

     You wouldn’t have your personal guests sit  in a waiting area for 30, 60, 90 minutes without popping in periodically to say hello, chit-chat, explain the delay, see if they want or need anything. Why would you do that with customers, clients, patients, passengers?

     With so much business ownership and management effort  needing to be diverted to overcoming economic doldrums, and the renewed focus we all share to beef up sales and innovation these days, it’s easy to lose sight of those who wait for us.

     No, this is not an issue that’s slam-dunk resolved  with waiting and reception room stacks of dog-eared magazines, old newspapers, stale coffee, staticky music or a TV channel selector riveted to some ridiculous, insultingly manipulative station like MSNBC or CNN or ABC or CBS or NBC (instead of, for example, something more truthful and less stressful, like Nature, History, Animal, or even Weather Channel).

     Unfortunately,  these token tools used to distract those who wait are not only annoying and stressing up your visitors, they are becoming more pervasive; it’s not just car dealerships and medical offices anymore. Even restaurants have joined the news bombardment parade.

     I can’t think of a less appetizing setting  than to be served lunch while facing an all-news TV station showing live pictures of some bloody tragedy. What can someone possibly be thinking when they put that channel on? [Obviously, they’re not.]

     Oh, yeah, and it’s like a whole  get-ready-for-your-blood-pressure-and-heartbeat-readings deal while waiting for the doctor; if you didn’t have a stress ailment before you got there… 

     If the people waiting were friends or family members,  would you extend them such small insignificant “courtesies,” or make a point of personally visiting (maybe with cold bottled water and fresh warm cookies as one office does routinely) to keep them posted about how much more time you guess it might be? Would you at least send someone out to socialize with them?

     Here’s how I see it.  When people are waiting to spend their hard-earned dollars on your products or services, they deserve to be waited on hand and foot. They are also giving up personal time in their lives (that they’ll never get back) to sit and stand around because they are sold on and believe in what your business or professional practice has to offer.

     These people are your greatest asset.  They love you to start with, or they wouldn”t be there. When you treat them with tokenism and no personal attentiveness, you are essentially letting them know that you and your business are not worthy of their trust and confidence and patronage.

     What’s the answer? Be grateful.  They are giving you the most precious possession they have — their time –which is finite, limited, and irreplaceable. Appreciate what you have.

     If you have customers, clients, patients, passengers  who are willing to wait to spend their money with you, you are truly blessed, and those people need to know how much you value their sacrifice of time.

Perhaps you’ve missed or forgotten that

your best customers are those who wait.

# # #               

Input always welcome Hal@TheWriterWorks.com “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

Subscribe FREE to this blog list-protected RSS email…OR $.99/mo Amazon KindleCreative? Add YOUR 7 words to the 406 day 7Word Story (under RSS) Get new Nightengale Press book THE ART OF GRANDPARENTING See: http://bit.ly/3nDlGF

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Nov 24 2009

Economic Business Slowdown? Humbug!

Everyone else is slowing down,

                                                          

so now’s the time to speed up!

                                                  

The holiday buzz is here.  In fact, EPRs (Economically-Panicked Retailers) have been buzzing with Christmas since before Halloween. Rumor has it that 2010 Christmas sales and decorations may start the day after Labor Day. For 2011, write your greeting cards on the 5th of July. Who knows? We may eventually lap the entire process and start Christmas sales and decorations for 2020 (with hindsight of course!) on December 26th of 2019! Maybe we can just give one present good for two years?

 # # #

     The point is that once the buzz that’s started gets started,  America’s business enterprises all begin shifting into low gear. Some businesses close earlier. Many employees (especially corporate giant, federal government and academic types who have no clue about business anyway) start to s~~l~~o~~w  down and skip out early more often, and take longer lunches, and drink more … and be of good cheer.

     SO: AHA! NOW’S THE TIME TO STEP ON THE GAS,  to work 10 times harder cultivating and keeping customers … to strike out into the marketplace with your heavy artillery.

     Now, while all the big-time competitors (especially B to B services) are rolling in their carpets  and the media is hard up for news, is the time to unleash a big-time public relations campaign and sales push.

     If you’re a serious entrepreneur and have been looking for a break:  you’ve got it! Take it and run! So what if your corporate muckity-muck brother-in-law is headed off on a pre-Christmas cruise and can’t think about much beyond which golf shirts to pack?

     So what if the business on your left has closed for the holidays  and the one on your right is preoccupied with window decorations, office parties and cracking open bottles of booze at 2:30 in the afternoon?

     YOU are an independent, never-say-die, innovative, dedicated-to-the-action  entrepreneur and you have a chance to get your business to that inside lane along the rail and pull up even to some of the industry big-boys.

     Do it. Make it happen.  It is a choice. It is YOUR choice. You can do three unplanned-for sales and promotion-focused things every day between now and Christmas that will set you into a pack leader position when the 2010 gate opens on January 1. What are they? You know what they are. Can you do the first of these tomorrow morning?  

# # #               

Input always welcome Hal@TheWriterWorks.com “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

Subscribe FREE to this blog list-protected RSS email…OR $.99/mo Amazon KindleCreative? Add YOUR 7 words to the 404 day 7Word Story (under RSS) Get new Nightengale Press book THE ART OF GRANDPARENTING See: http://bit.ly/3nDlGF

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Nov 23 2009

Today’s BOOMING Business Economy!

You must be dreaming!

                                                          

Today’s economy is GREAT!

                                                        

     Dear business owners and managers:  If you’ve been talking about having some weirdo notion that we are in a never-ending economic tailspin that’s ruining the odds for  success, you may not be speaking with forked tongue, but you are looking through crooked glasses! 

     If  your business is still afloat,  that means you have done some hard sweeping work getting the cobwebs out of the corners. It means you are down to a bare-bones personnel operation that is probably 50-100% more productive than it was before “bailouts” and “stimulus” became part of the language.

     And you are coming full circle around  to what Tom Peters and Nancy Austin told us a quarter of a century ago in their classic #1 best-selling business book, A Passion for Excellence:

In the private or public sector, in big business or small, we observe that there are only two ways to create and sustain superior performance over the long haul:

First, take exceptional care of your customer (for chicken, jet engines, education, healthcare, or baseball) via superior service and superior quality. Second, constantly innovate. That’s it.”

They add that “sound financial controls” and “solid planning” are of course also essential and necessary,” but that the bottom line of achieving success is to manage by wandering around —

  • By constantly talking with your people,
  • By constantly and attentively listening to their ideas, and
  • By motivating through examples of the ways you cater to customers and work nonstop at innovation: always drumming up new creative ideas and strategically taking them all the way through in your thinking to a point of implementation.

Introducing a new product feature isn’t good enough. Anyone can think of that. Actually working out all of the steps involved with associated costs, benefits,  timelines, and logistics… that’s innovation! 

  • By instilling a passion for customer courtesy and innovative thinking in every tiny corner of every department of the business, whether there are three employees involved, or 300,000. 

     Today’s economy sucks if you choose for it to.  If instead you seize the opportunity to be more motivated to deliver a better dollar-value quality product and service, quicker and safer, and that’s longer-lasting than ever before… and you pump all your company’s efforts into making your customers love you… NOW you’ve got something!

     And your leaner, tougher, more customer-conscious business  would never have happened when cash was flowing and you were on cruise control, lunching out and playing golf and taking off early and traveling the world on long vacations, and being so successful you were able to sell ice to Eskimos with one hand behind your back.

     Speaking of your hand:  The lousy economy, being continuously fueled by shortsighted (maybe even blind) government bureaucracy, has essentially forced your hand to act in new ways. And if in fact you do act in new more productive ways, then it’s a GREAT economy!

     Will you rise to the occasion  and make things work, or keep dreaming that they can’t,  throw in the towel, and get out of the way of those who are choosing to meet the challenge? 

# # #

Hal@TheWriterWorks.com or comment below.

Thanks for visiting. Go for your goals! God Bless You!

Make it a GREAT day for someone!

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Nov 22 2009

BREEDING RESPONSIBILITY…

“It’s not MY job!”

                                                                           

     Ever heard this before? Or is it just my imagination? Odds are someone in your business either says something like this, or has the underlying attitude but doesn’t express it openly.

     The person who rejects  awareness, spontaneity and (friendship / partner / spousal) intimacy also rejects the responsibility for shaping her or his own life. She or he is someone who thinks of him or herself as either lucky or unlucky, assuming without question that it’s meant to be and: can’t or shouldn’t be changed, or that only ______ can change it.

 Sound familiar? This is the same individual who

     routinely proclaims (or thinks): “It’s not MY job!”

     By contrast, the autonomous person  is concerned with “being.” He or she allows his/her own capacities to unfold and encourages others to do the same. These are the kinds of individuals who project their own possibilities into the future as realistic goals which give aim and purpose to their lives.

     They sacrifice  only when they are giving up a lesser value for a greater value according to their own personal value systems. They are not concerned with getting more, but with being more. 

                                                                             

My philosophy is that not only are you responsible for your life, but doing the best at this moment puts you in the best place for the next moment.”

— OPRAH WINFREY
                                                                                     

     As a business owner or manager, and especially in today’s economy,  you really can’t afford to have people working for you with this attitude. E V E R Y person in your business needs to accept responsibility for doing whatever needs to be done whenever it needs to be done as long as he or she has the ability to do it.

     But this doesn’t mean that you need to be a shrink  with employees who evidence a not-my-job mentality. It DOES suggest that you may want to think hard about keeping this kind of person on payroll.

     If it’s a locked-in situation  and you can’t let go of her or him right now, set a deadline for change, explain it clearly and gently, then teach by example. Do recognize that it takes courage for someone like that to rise to the occasion, and reward any evidence of attempts with “pat-on-the-back” comments and encouragement to keep at it. 

     You’ll always get more of what you genuinely

appreciate, praise and reward.   

With special thanks to human relations/communications consultants Muriel James and Dorothy Jongeward for the inspiration and adaptations from their classic book BORN TO WIN: Transactional Analysis with Gestalt Experiments    

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Input always welcome Hal@TheWriterWorks.com “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

Subscribe FREE to this blog list-protected RSS email…OR $.99/mo Amazon KindleCreative? Add YOUR 7 words to the 402 day 7Word Story (under RSS) Get new Nightengale Press book THE ART OF GRANDPARENTING See: http://bit.ly/3nDlGF

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Nov 21 2009

Communicate. Communicate. Communicate.

Your Laundry? No.

                                                                                

But Your News? Yes!

 

                                                                                               

     Dear Boss – No, your employees are not entitled to inspect your laundry,  but they do need to be empowered to accept and process your ideas and plans, and be encouraged to contribute according to their experience, skills, and capabilities. 

     If you’re playing this  (seemingly never-ending) ongoing small business economic disaster news close to the vest, and not sharing what’s happening with those around you,  you’re cutting off your nose to spite your face . . . you may be missing a unique opportunity to take advantage of free, life-saving input from those with invested time and energy. 

     If you’re keeping to yourself  where you see things going, and not discussing your ideas for how you’re going to get there, you are shooting yourself in the foot. (And, psssssst: no nose and no foot can make things even tougher than they already are.)

“As the economy continues to shift, keeping employees up-to-date on how the company is responding, and how they are affected, will help insure against their becoming demoralized and disconnected.

“Effective communication helps engage employees, and that has positive implications for productivity and the bottom line.” 

–Kathryn Yates, global leader of communication consulting at Watson Wyatt

                                                                                                             

     You have chosen to own and/or manage a business or part of one.  Along with that choice comes significant leadership responsibility. Along with leadership responsibility comes the obligation to maintain and encourage 2-way communications with all those who report to you. 

     This is not a responsibility to take lightly.  Keeping those around you informed of what’s going on, spelling out for them how you see what’s going on, and where you aim to take things is the kind of stuff that makes or breaks the backbone of a business.

     Notice I said “2-way”  which means listening as intently as telling. It means weighing, assessing, and actively considering the suggestions of those around you. They are, remember, around you because you chose for them to be around you and you did that because you respect and trust them.

     So? So respect and trust them!  Accept that your people are as invested in keeping their jobs and growing the business as you are. They may not match your personal commitment level, but give them the benefit of doubt when they have ideas and suggestions. You might even learn something that makes a difference! 

                                             

# # #

                              

Hal@TheWriterWorks.com  or comment below.

Thanks for visiting. Go for your goals! God Bless You!

Make today a GREAT day for someone!

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Nov 16 2009

STARTING A BUSINESS ADVISORY BOARD

Got Good Advice?

                                                                   

     If you’re putting all your business eggs  in one consultant or one consulting group basket, don’t give your business long to live! It may be time to remind yourself that your business is your baby, that you’ve worked hard to get it up and on its feet, and toddling forward. Sure it will fall on its face a few times, but YOU are the only one who can get it back on track.

     When you hire a consultant or consulting firm  and expect her/him/it to get all your ducks in a row, you’re headed for Disneyland! And given the kinds of fees being charged these days, you may also be on your way to the poorhouse.

     It’s an age-old proven fact  that the best solution to ANY organizational problem lies WITHIN the organization. The challenge therefore is HOW to draw it out, not to decide on what consultant to hire to analyze it to death and make recommendations you don’t need!

     Except for highly technical consultants, no consultant (inside OR outside) can waltz in  and pinpoint a management or organizational solution direction for you to follow. My best guess is that that person or “team” will be wrong more than 99% of the time. Why?

IF YOU’RE NOT PART OF THE PROBLEM,

YOU CAN’T BE PART OF THE SOLUTION

BECAUSE YOU’LL NEVER FULLY GRASP THE PROCESS!

                                                                                  

     You own or run or manage the company  and that means YOU are the only one who can understand and guide the unique solution process as it exists in your unique organization. The ball’s in your court. You can get consulting HELP, but in the end it will always have to be your solution and your decision.

     Soooooooooo — why do you want to pay  for one support entity when you can have 5 or 7 (odd number recommended) support entities helping you FOR FREE? Huh? The best consulting help you can engage will be to help you engage an advisory board that can help steer your ship while you sleep or visit the head!

     You will probably also do this task better by yourself,  but — in starting an advisory board — objective, outside input can be valuable. Start with people you trust who you know agree with the general growth directions you plan, and who are willing to commit time and energy. They need not agree with you on the details of how to get there, but that’s okay.

     Reward them  by serving food and snacks at meetings; give them free samples of products and/or allow them “family” discounts on services. Treat them special. Require confidentiality but be 100% honest with them, and cultivate a high trust level with each. Keep them informed of both good and bad news.

     Call them together quarterly, monthly when needed. Don’t ever waste their time. Always have pre-circulated agendas of problem-solution issues and bring key employees in to present the details. Stick to the agendas. Give out assignments. Have goals of leaving meetings with solutions. Work it.

     Yes, it’s work,  but you’ll get better input, free, from people who feel they have a stake in the contributions they make, and whose input wins your respect. They will also end up being your best salespeople!

# # #               

Input always welcome Hal@TheWriterWorks.com “Blog” in subject line or comment below. Thanks for visiting. Go for your goals! God Bless You! Make it a GREAT Day! Hal

Subscribe FREE to this blog list-protected RSS email…OR $.99/mo Amazon KindleCreative? Add YOUR 7 words to the 399 day 7Word Story (under RSS) Get new Nightengale Press book THE ART OF GRANDPARENTING See: http://bit.ly/3nDlGF

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Nov 14 2009

Is Your Biz Ready for Pelosi Healthcare Bill?

Healthcare Dictatorship?

                                                                                                                   

In this week’s Wall Street Journal,  former NY State Lt. Governor Betsy McCaughey brought to light some of the small business-impact details buried in House Speaker Nancy Pelosi’s 1,990-page health bill (H.R.3962) that you need to know about:

The government will require

                                     

EVERYone to:

                                                                                    

     • Enroll in a “QUALIFIED PLAN.”  Sec. 202 (p. 91-92) of the bill requires that if you get your insurance at work, employers will have a “grace period” to switch you to a “QUALIFIED PLAN,” meaning a plan designed by the Secretary of Health and Human Services. If you buy your own insurance, there’s no grace period. You’ll have to enroll in a qualified plan as soon as any term in your contract changes, such as the co-pay, deductible or benefit.

     • Be legally required to pay  whatever the Secretary of Health and Human Services decides what a “QUALIFIED PLAN” covers and what your fees will be. Sec. 224 (p. 118) provides that you will be told an amount 18 months after the bill becomes law. That,” says Ms. McCaughey, is like a banker telling you to sign the loan agreement now, then filling in the interest rate and repayment terms 18 months later.

On 11/2/09, the Congressional Budget Office estimated an individual earning $44,000 before taxes who purchases his own insurance will have to pay a $5,300 premium and $2,000 in out-of-pocket expenses: total $7,300 a year, which is 17% of his pre-tax income. A family earning $102,100 a year before taxes will have to pay a $15,000 premium plus $5,300 out-of-pocket: $20,300 total, or 20% of its pre-tax income. Individuals and families earning less will be eligible for subsidies paid direct to  insurers.

     • Adhere to a “one-size-fits-all” QUALIFIED PLAN  even though it doesn’t exist. See Sec. 303 (pp. 167-168) The bill claims to offer choice—basic, enhanced and premium levels—but benefits are the same. Only co-pays and deductibles differ. You will have to enroll in the same plan, whether the government is paying for it or you or your employer are.

     • Include proof in your taxes that you are in a QUALIFIED PLAN.  Sec. 59b (pp. 297-299) If you don’t, you will be fined thousands of dollars. Illegal immigrants are exempt.

Sec. 412 (p. 272) says that employers must provide a “QUALIFIED PLAN” for their employees and pay 72.5% of the cost, and a smaller share of family coverage, or incur an 8% payroll tax. Smaller payroll businesses are fined less.

     The bill Sec. 1302 (pp. 672-692) cuts future Medicare funding by $500 Billion, takes away patient rights to choose which doctor to see, permits the government to dictate treatment decisions, and specifies patients may have to accept a nurse practitioner instead of a physician.

     • Secs. 1158-1160 (pp. 499-520) reduces payments for care and the standard of care for hospital patients in higher cost areas such as New York and Florida.

     • Sec. 1161 (pp. 520-545) cuts payments to Medicare Advantage plans (used by 20% of seniors) expected to cut back benefits such as vision and dental care.

While the bill will slash Medicare funding, it will also direct Billions of dollars to numerous inner-city social work and diversity programs with vague standards of accountability.

     • Sec. 399V (p. 1422) provides for grants to community “entities” with no required qualifications except having “documented community activity and experience with community healthcare workers” to “educate, guide, and provide experiential learning opportunities” aimed at drug abuse, poor nutrition, smoking and obesity.    

     • Sec. 222 (p. 617) provides reimbursement for training healthcare workers to inform Medicare beneficiaries of their right to an interpreter.

     • Secs. 2521 and 2533 (pp. 1379 and 1437) establishes racial and ethnic preferences in awarding grants for training nurses and creating secondary-school health science programs.     

 And all of this is just the tip of the iceberg! For the text of the bill with page numbers, see www.defendyourhealthcare.us     

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