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Low Income Insurance

There are many obstacles to overcome if you are a low income individual or a member of a low income family. Obtaining health insurance is one of the biggest problems facing individuals and families who live near or even below the poverty line. There are many causes of people being uninsured including: being a single parent, having a disability, working only part-time, working for an employer that does not offer health insurance or being unemployed.

Low income insurance is available for many individuals and families. Men and women who have reached at least 65 years of age are usually eligible for Medicare benefits. Individuals who are retired often are considered to be low income and do need health insurance. Medicare benefits are also available for many people who receive Social Security disability benefits. Medicare benefits can be a lifeline for disabled individuals with high medical expenses and a low income.

Each state offers Medicaid for individuals and family who meet specified guidelines. Medicaid was designed to provide low income insurance for families and even some individuals who would not otherwise have insurance. Medicaid is particularly helpful for low income families and for pregnant women with a low income and few resources. Some states offer other low income insurance options for people who earn too much money to receive Medicaid but who would still have difficulty obtaining traditional health insurance.

Low income insurance is also provided for most children who are not insured throughout the United States. Each state has a health insurance plan for children. This form of insurance is a low income insurance that is ideal for children of families earning income that exceeds the cutoff for Medicaid benefits. Some states have extended their health insurance programs to even offer health insurance to families with higher incomes if they have no other way to insure their children.

Families and individuals who need low income insurance can contact their local assistance office. County assistance offices do not just offer welfare benefits. They also help to administer many of the low income insurance options for citizens in their local area. A social worker will work with families and individuals to help them identify the low income insurance options for which they might qualify.

the High EQ, Low EQ Sales Quiz

In addition to my coaching, and my usual comings and goings this past couple of months, I've been in the real estate business, selling my own home, and working with a coaching client who wants to buy a house in Alabama. I've seen a lot of people trying to sell things lately and thought I'd share with you High EQ, Low EQ in the sales world.

EQ'Emotional Intelligence'is all those 'soft' skills that drive a hard bargain in the marketplace. Research is showing what a powerful performance differentiator it is, separating the outstanding performers from the average performers.

The four domains of Emotional Intelligence are: self-awareness, self-management, social awareness, and relationship management. Within these groups there are 18 competencies, one of which directly predicts good sales people, and all of which contribute.

Now, selling something is nothing so much as relationship, conversation. It means being able to present your item to the person in such a way they'll see the benefit to them and want to buy it. To do this, you must assess the person and speak their language.

For instance, you cannot sell the best heater in the world to a freezing Intuit if any of the following takes place: ·If you do not speak Intuit and they do not speak English ·If it is taboo in their culture to have an electric heater ·If you inadvertently insult or offend the Intuit because of lack of knowledge of their culture, or low EQ skills

The more multicultural we get, the more flexible most of us are, but there are some things considered inexcusable in every culture that are best avoided. If you're spending a lot of time with folks from that culture, it's best to read up, or study with a coach.

We'd all agree, for instance, that to show up to look at a house naked is inappropriate, in any culture, at any time. Beyond that, your particular shopper may be sporting a nose ring, fishnet hose, a 3-piece suit, blue jeans, a sarong, a toupee, a 10 carat diamond ring, or grease and oil all over his shirt and fingernails, and may show up in a brand new Jaguar, or a 7-year-old Chevy truck.

Each of these markers is a nonverbal clue to you about the person, how best to relate to them, and how best to sell your product.

Okay, here's the EQ Quiz:

Showing the House:

Paul walks the clients through saying little, and when he does, he says, 'Nice living room,'or 'beautiful fireplace, don't you think?' Mary walks the clients through talking a good bit of the time saying things like, 'This looks like it would be big enough for your music room,' and 'There's the perfect spot for your fig trees.'

Question: Who's most likely to make the sale, Paul or Mary?

Romancing the Homeowner:

Robert the Realtor wants Harriet the Homeowner to lower her price. He leaves the customers in the living room and walks into Harriet's study where she's at the computer. 'So you're ready to move?' he says. 'Where are going to?' 'Dallas,' she replies. 'Well, you're gonna become a great Dallas fan, huh? Big game this weekend. If the Cowboys can keep them off of Carter long enough to get the ball downfield, there could be plenty of big plays from the receivers. You're gonna love those Cowboys.' Then his cell phone rings, he pulls it out of his pocket and starts talking.

There is classical music playing and an Oriental rug on the floor. Harriet's office is wall-to-wall books'Shakespeare, Flaubert, Dostoevsky, and Cervantes'and photos of her four grandchildren. There's no t.v. in the house, no men's clothes, no men's toiletries.

Question: What's your vote for Robert? High EQ or Low EQ?

Pitching the Best Features:

Carmella is sitting next to me in her $800 Armani with an 8-carat diamond on her freshly manicured hand, as the Baldwin County, Alabama barber tells her the high points about the house he wants to sell. 'It's got an RV hookup, so when your friends come to visit, you know, they can just hook right up, and I got about 10 goats out here now, but you can put you some horses here too, and I got $32,000 worth of fruit trees I just put in. What else you want to know?'

Question: Has he pitched the "best features" to her? Yes? Or No?

Multicultural Mayhem:

Thomas 'Tex' Henley, the realtor, has lived his whole life in Texas and never been outside the country. He reads little, sticks with the friends he grew up with and has never learned another language.

The buyers are meeting him at the office, and when they come in, he can tell they aren't from the US, and the woman has on an outfit he's never seen before. Sort of like the Arabs he's seen on t.v., but not quite. He rushed forward with a big 'howdy,' reaching to take the woman's coat and slaps a big ole' friendly paw on her shoulder to guide her toward the lobby. Wise move? Dumb move?

Second Showing:

Hortense Who's-House-It-Is, is home for the second-showing when the realtor brings the woman back to see her house. Affable person that she is, she follows them around, chatting about the house.

When they part, she says, 'Now, Honey, you'll love it here. There's plenty of single young men in the neighborhood so you won't be alone long, and there's plenty of extra bedrooms here for little ones, [wink wink], so anyway, y'all have a great Merry Christmas, and remember, 'Jesus is the reason for the season.' '

Question: Has Hortense made the sale?

Answers:

1.Mary's most likely to make the sale because she's personalizing the house for the buyers, telling them where their things can go, and how it would work for them. She really listened to her client, so she knows about the music room and the fig trees.

2.Robert gets low EQ. He may as well be speaking a foreign language to this middle-aged intellectual single woman, and she probably considers the cell phone rude as well.

3.No, he has not. The 'best features' to Carmella would be pointing out the ample supply of affordable labor in the town, the acreage available for adding a swimming pool and tennis courts, the easy drive to the airport, which is how Carmella's friends will arrive, and the subdivision of half-million dollar homes going in nearby, but not too nearby.

4.Very dumb move. When you're dealing with another culture you're not familiar with, the safest thing to do is be ultra-conservative especially where the women are concerned. In many cultures, you should not speak directly to the woman or make eye contact or touch her in any way.

When in doubt, slow down, look for signals, address the male member of the duo with a standard, conservative, 'So nice to me you, I'm XXX,' and let him make the next move.

5.Not likely if the buyer is Jewish, from New York where terms of endearment aren't used lightly, lesbian, and has just found out she's unable to bear children.

It's emotionally intelligent these days not to assume someone's sexual preference, desire for children, age, marital status or religion. Use generic terms such as 'holiday' instead of 'Hanukkah' or 'Christmas,' and 'partner' instead of 'spouse' or 'husband' or 'wife.'

About the author: ©Susan Dunn, MA, Clinical Psychology, The EQ Coach', http://www.susandunn.cc . Offering individual coaching, coach training and certification, business solutions, coach products for licensing to jumpstart your practice, distance learning, The EQ Learning Lab', the EQ eBook Library, http://www.webstrategies.cc/ebooklibrary.html , and Emotional Intelligence resources. Mailto:sdunn@susandunn.cc for FREE eZine.

Author: Susan Dunn, MA Clinical Psychology, The EQ Coach