text:
This is a very comfortable residence in the heart of a quaint English Village. A little off the main track but convenient. We would not think twice about rebooking in the future.Kurt2017-01-26T00:00:00Z
Very modern decor, exceptionally clean, Walkable to train and bus. 5 minutes to shops and bars. Great location.john2016-12-27T00:00:00Z
A really beautiful cottage! Would definitely recommend to anyone. Thanks so much for a lovely stay Graham.Sahar2016-12-30T00:00:00Z
Fantastic cosy cottage in a perfect location to explore some of the best of the lakes. The village is lovely with all the amenities that you could need including a great pub. The cottage itself is very well finished and furnished and is a perfect place to stay for a real Lakeland experience!Patrick 2017-03-12T00:00:00Z
Very cosy cottage. Great location. It has everything one needs including Sky sports - my husband was very pleased! Host very helpful and made contact to make sure everything was ok.Rose2017-02-06T00:00:00Z
Graham's house is absolutely beautiful. It has all the amenities you need for a lovely weekend away, which is exactly what we had when we stayed here. It's super cosy with central heating as a cute gas fireplace too. The beds were all extremely comfortable as well. The location is very quite and easy to navigate, you would need a car to get around though. Only a short drive from Windermere and Ambleside so experiencing the Lake District was a breeze. Thank you Grahame for an amazing stay!Stephanie2016-11-27T00:00:00Z
very good and convenient.YONGGAN2017-02-13T00:00:00Z
Graham and Eileen's home is lovely! Very cosy and warm, just what we needed after our long days out walking! The beds are ridiculously comfortable though... too comfortable even! haha. Would highly recommend to future guests!Hayley2017-03-19T00:00:00Z
Room Type
Entire home/apt
Property Type
Staveley, England, United Kingdom
Cosy, clean, comfortable cottage in the centre of Staveley. Guest info on local restaurants and pubs provided. Great location from which to explore the lakes, and a 15 minute drive from Windermere. We had a great stay, and would love to go back some time. Thanks Paul!Adam2015-09-21T00:00:00Z
The photos don't do the house justice. It is really well renovated with very comfy beds and good decor. Great house and also location. The pub Eagle and child in the village is also great for meals and a drink so great for end of day travels. Recommended.David2016-10-11T00:00:00Z
Great place! Clean comfortable and cozy.June2016-10-01T00:00:00Z
Paul got in touch with me really quickly when I made a request and gave me all the details for the property straight away. It was no problem for our dog to join us as well!Lyndsay2015-10-10T00:00:00Z
A Fantastic Cottage set in the beautiful village of Stavely. The cottage itself was warm, comfortable and inviting, with fresh clean décor throughout. The beds were beautiful!! Fantastic location for walks around Stavely, close to all that Stavely had to offer and a short drive to the more tourist heavy spots of Windemere and Bowness.Rebecca2015-05-28T00:00:00Z
We had a most enjoyable stay at Cottontail cottage. Don't be put off by the pictures - it is a very quaint and comfortable cottage! It was well equipped, very clean, comfortable beds and cosy fire in the kitchen. The village itself is lovely and all of the people we met were very friendly and helpful. Paul popped in to check everything was OK on our first morning and was very pleasant and helpful and also responsive in our communications. We also found the location a very convenient base for the south lakes. Overall we can highly recommend this cottage and would love to come back.Pierre2016-09-14T00:00:00Z
Really friendly and responsive. Lovely cottage with a great pub and brewery fairly close.Sara2016-09-04T00:00:00Z
It was a great place to stay and explore the Lake District. The photo's don't do the place justice, even better than the photos. Would highly recommend staying here.Jonathan2016-07-23T00:00:00Z
Room Type
Entire home/apt
Property Type
Staveley, Cumbria, United Kingdom
Garburn cottage is beautiful (looks small from outside but huge spaces inside) has all you could need (the beds are amazing!) and the host was great with communication. Wish we could have enjoyed the lovely garden (we stayed early March) but will hopefully return during summer one day. The cottage is literally a stones throw from the station and is easy to jump on to Windermere and leave the car, cheap too, £3 or £3.10 return! Spa shop for any items in the village and the Brewery is a must visit! Thank you for a lovely stay :)Diane2017-03-06T00:00:00Z
Great little houseDan2017-01-09T00:00:00Z
Tom was a wonderful host! He, unfortunately, wasn't around to meet us in person, but he ensured that we had all the information we needed for a great stay. We really enjoyed the Garburn Cottage. It's a nice, cozy place perfectly situated within walking distance of Staveley. We had a couple great meals at the nearby Eagle & Child (also highly recommended). It's also a short drive to Kendal or Windermere. It's definitely worth staying here!Casey2016-12-16T00:00:00Z
Even better than listed, so close to lakes without the hustle. Loved the brewery & specialty coffee place, and killer view out of bedroom window!Dave2017-03-30T00:00:00Z
The cottage has large amounts of space and is great for families. It's clean, modern and has lots of utilities. The stair gate was a major plus for us having visited with an 18 month old. The bedrooms are homely and the actual beds are comfortable to sleep in. We will be back at this cottage for sure!!Duwayne2016-11-04T00:00:00Z
Beautiful house in a beautiful location. Everything you need whilst away. ThanksJoanna2016-11-28T00:00:00Z
Property was great - as described in the posting. Clean, cosy, comfortable, well equipped in a great location, 5mins walk from centre of village (and the Hawkeshead Brewary). Loved our short stay there and will consider returning.Tim2016-10-21T00:00:00Z
Lovely stay at this lovely cottage in Staveley. Very good location, close to Windermere and Kendall. The beds we're unbelievably comfortable, everything was very clean, spacious and very well equiped. We are planning on returning in the summer to take advantsge of the back garden! Thanks tom you were very helpful!Eva2016-10-24T00:00:00Z
Room Type
Entire home/apt
Property Type
Staveley, England, United Kingdom
Room Type
Entire home/apt
Property Type
Staveley, England, United Kingdom
Room Type
Entire home/apt
Property Type
Staveley, Cumbria, United Kingdom
It is a beautiful house and with a very beautiful scenery.Wei Hong2015-10-05T00:00:00Z
Ashes Cottage was the perfect getaway to celebrate the Christmas holiday in the English countryside. The cottage was beyond expectations and brought all the comforts of home in a beautiful landscape. The home offered everything one would desire; warm beds, a welcoming fireplace and lounge, and a fully functional kitchen. The area was absolutely stunning and was most certainly our favourite part of the trip! From the narrow lanes to the public foot paths through the sheep fields, Ashes Cottage is perfectly situated to provide a great escape in a beautiful area of England. Thank you again Liz & family. We look forward to another visit!Melissa2015-12-27T00:00:00Z
Liz was friendly and responsive by email, sending detailed instructions the week beforehand. The house was just as described - spacious, clean, beautifully decorated - and we felt immediately at home. Everything we needed during our stay was available, even guidance on local walks from a very knowledgeable neighbour! Staveley is a great base for exploring the Lakes - a quick evening walk up to Potter Fell from the village was a fantastic way to start our holiday, then up to Blencathra in under an hour to climb Sharp Edge another day, and just 15 minutes into Kendal for a movie and pizza at the Brewery Arts Centre. Exactly the holiday we had hoped for!Louise2016-08-13T00:00:00Z
Liz was a fabulous host - replying extremely quickly to our initial booking and answering any queries I had and making recommendations too for places to visit and eat (which were spot on when we came to try them!) Ashes Cottage itself was wonderful. Such a peaceful, idyllic setting with large, pretty garden and views across the fields with lambs gambolling everywhere! The cottage was welcoming and catered for our every need. The rooms were beautifully decorated. We loved the spacious, comfortable bed in the master bedroom. There were views from every room. The kitchen was well equipped. There was ample parking for us and we loved the fact that we were within such easy reach of Lake Windermere. We enjoyed visiting the Eagle and Child pub for an evening meal. Unfortunately, we were called home early because of family illness but would definitely love to go back and carry on exploring the area and would heartily recommend Ashes Cottage to anyone wanting to stay in the Lake District. It was a welcoming, peaceful and beautiful place. Thank you Liz for allowing us to stay!Alexandra2016-04-09T00:00:00Z
We spend Christmas here, and it was a fantastic trip! The fireplace was lovely and warm, and Liz even left some nice festive decorations. The location is beautiful, walkable to Staveley, the train stations, etc. We also did a few nice walks around the paths nearby, and some of us went running every morning - it was wonderful exploring the area. Liz was very responsive to all of our questions, and her father in law stopped by to say hello and help with any small things. Highly recommend staying here!Laurel2016-12-28T00:00:00Z
The host canceled this reservation 73 days before arrival. This is an automated posting.Lucy2017-01-17T00:00:00Z
Incredible view, clean, tidy, cosy, just what we needed.Nick2016-05-10T00:00:00Z
Room Type
Entire home/apt
Property Type
Staveley, United Kingdom
Lovely quality furnishings and equipment. On the edge of the village of Staveley. Close to the Lakes-Windermere 4 miles away. Lots of amenities a stroll away-Eagle and Child pub (worth reserving a table) and a Spar (open 8am until 9pm Monday to Saturday, long opening hours on Sunday)and enterprising Post Office with sandwiches and cake selections, fish and chips shop -(closed Mondays) and several cafes. The Brewery also has entertainment some nights and there is a little theatre too! Cosy with underfloor heating and electric blankets. The showers are super strong too!Angela2017-02-15T00:00:00Z
Perfect family accomodation, with everything thought of and very comfortable beds. We look forward to going back again.Jemma2017-02-22T00:00:00Z
We felt very welcome when we arrived everything was lovely and clean and all instructions were perfect. We felt the pictures do not do the cottage justice, we had a wonderful stay and we will be back.Richard2016-10-18T00:00:00Z
The host canceled this reservation 19 days before arrival. This is an automated posting.Carlos2015-09-07T00:00:00Z
We had a wonderful stay at the beautiful Seed Howe. The cottage was very comfortable and brilliantly equipped. We loved the log burner! Thank you so much for having us. Peter was the perfect host!Emma2015-11-15T00:00:00Z
A beautifully kept cottage with all the luxuries in a beautiful setting. Couldn't have asked for anything better and will definitely be visiting again. Really well laid out with plenty of space and lots of information in an easy accessed booklet.danielle2017-03-21T00:00:00Z
If you need a quiet getaway with lovely bedding and a warm wood stove this is your spot! Wonderful place to relax and unwind - super walks from the house!Hannah2016-12-23T00:00:00Z
The host canceled this reservation 125 days before arrival. This is an automated posting.Liz2016-12-31T00:00:00Z
Room Type
Entire home/apt
Property Type
Staveley, Cumbria, United Kingdom
Pippa's lovely room is in a beautiful position in the lake district. We enjoyed staying here and had a lovely meal in the local pub which is within walking distance. There is a lovely walk into Windermere from the house too.Margaret2016-10-18T00:00:00Z
Our first foray into the world of Airbnb but what a great decision! Pippa was a fantastic host and went out of her way to ensure that all bases were covered, the room was bright, modern, airy and beautifully furnished it's safe to say that we would happily return..!!Steve2016-11-21T00:00:00Z
Beautiful room & ensuite tucked away from the main house. The surroundings are beautiful and on a good connecting road to the M6. Pippa was warm and welcoming, and the room was clean with fantastic amenities. Double check address before arriving, as we followed the address on the booking reservation which actually sent us across the road, and then of course on arrival there was no phone signal :)Elizabeth2016-10-03T00:00:00Z
We had a great stay in Pippa's beautiful barn extensions. We ended up arriving late and would have loved to explore the local are more. Pippa was very attentive and met all of our needs in an extremely hospitable manner - leaving delicious flapjacks, fruit and ground coffee! Thanks.Ben2016-10-27T00:00:00Z
A great few days in a great location close by to Windermere. A lovely well maintained room with a great host. The flapjacks were amazing! Presented exactly as advertised, like a show home! Will definitely be staying again to take on some of the lake districts hill walking.Tom2016-10-23T00:00:00Z
We stopped at Pippa's for one night after a trip to Scotland and the room was the perfect place to relax and have a great night's sleep. The decor and bedding were superb and location was perfect. 5 mins walk from the local pub. Pippa was a great host and the flapjacks were a delicious treat for the morning with a cuppaRachel2016-11-13T00:00:00Z
It's a really nice place to stay. The house is close to bus stop, it's easy to go to Windermere station and Bowness. The room is very clean and tidy. Highly recommend!Yen Hsuan2017-02-25T00:00:00Z
The room is fantastic. Nicely furnished, complete with en-suite and separate from the main house (connected by a conservatory-style walkway). I believe the room is a new refurbishment of a barn, it certainly looked newly decorated. Tea and coffee facilities, etc, were also provided. Pippa is very friendly and I enjoyed chatting with her in the morning. Her communication throughout the booking was excellent. Would definitely stay again.Simon2016-09-18T00:00:00Z
Room Type
Private room
Property Type
Kendal, England, United Kingdom
Very accessible location - 3 min walk from windermere train station. No issues with checking in. Only qualm initially was washroom was shared among 4 rooms, but it worked out fine. Everything was very clean.Devathas2017-03-26T00:00:00Z
Matt was very helpful and responsive. The room was nice and clean and the location was great - the lake is easily walking distance. Thanks!Jim2017-01-01T00:00:00Z
A good place for travel the Lake District!!Wenxin2017-03-28T00:00:00Z
Hi everyone, we had a great stay at Matt's place. Matt always responded quickly to our messages. The room was clean. He helped us with check in and some local information as well. The location is perfect. So close to train station and coach services. Enjoyed...Manorath2016-12-27T00:00:00Z
A perfect place to stay for a quiet getaway in nature! The bed is very comfortable and the washroom although shared was well maintained.Raya2017-01-02T00:00:00Z
Good location, near train station, very convenient to walk to wait for trains or walk to other towns in Lake District. Bathroom and bedroom are cozy and clean, good for family trip. The host is also really friendly and kind.X2016-12-04T00:00:00Z
The room is so clean and well decorated.Kaiyi2016-12-30T00:00:00Z
Nice clean attic room and a shared bathroom. Stairwell in need of decoration- basic but good value.Sarah2017-04-02T00:00:00Z
Room Type
Private room
Property Type
Windermere, England, United Kingdom
Only 1 night but a great one :) Fab host, super quiet room with fantastic bed, pillows and bedding. Also the breakfast was hotel-level with fresh fruit, warm bread and pastries basket, and home made jams. Would def. book again.Julie & Simon2016-09-17T00:00:00Z
Great place to stay in Windermere, situated in an ideal location within walking distance of the town centre. Very friendly couple to stay with.Alex2016-07-03T00:00:00Z
Carolyn is a nice host and her room is very clean and cosy. When we arrived, because of the rainy weather, her partner asked us whether we needed heat our room that make us feel considerate. In the morning, Carolyn provide us good tasting breakfast and show us something interesting around the lake. Thanks for her kindness and we both enjoy our stay here.薇2016-08-20T00:00:00Z
Carolyn is a very kind host. The bedroom is very clean and comfortable.Winwin2016-04-16T00:00:00Z
Carolyn's house is beyond excellence. The bedroom upstairs is clean and the bed is cozy, just fee like staying at home. My friend and I have big suitcases so Carolyn kindly offered to pick us up at the railway station, which is 10min drive at most. Continental breakfast in the dining room is wonderful too. In general, It sure is one of the best choices if you want to stay in Windermere with a fair price. Oh, the restaurant Carolyn recommended, the Francines, has a selection of nice food. Hope to come back again~Serena2016-10-22T00:00:00Z
Carolyn & Anthony are extremely warm. We really enjoy the stay in their room. Super cosy. Super shower. Super view from the window. Thanks for the delicious breakfast :-D 强烈推荐!WEI2016-08-27T00:00:00Z
Carolyn was an amazing host, the house was very homely and comfortable, a perfect place to relax whilst in the Lakes! She put on a wonderful breakfast which we weren't expecting, but it was definitely a highlight! She provided a selection of toiletries in the communal bathroom which was a great touch and the restaurant recommendations were spot on. We thoroughly enjoyed our stay and felt that Carolyn was one of the best hosts we've come across on Airbnb, we would highly recommend her.Rachel2016-09-10T00:00:00Z
What a wonderful property. The hosts were incredibly welcoming and friendly. They even left a bottle of wine as we were celebrating a birthday! All the amenities were spotless and fresh. All in all a beautiful house.Thomas2016-10-23T00:00:00Z
Room Type
Private room
Property Type
Windermere, United Kingdom
The accommodation is stunning with views of Kendal Castle from the lounge. It is private from the house but with accessibility to the very welcoming owners and their very well behaved and sociable dog. The house is situated in a very scenic place about 150 yards from the beautiful river and weir, but also a stroll from the beautiful town of Kendal, with it's abundant shops, culture and welcoming atmosphere. To be ten minutes from the M6, but also 15-20 minutes from the centre of Lakes in Ambleside is a dream come true. We stayed in November and at night it was minus celcius, but we were cosy and warm with the simple to use central heating system. Had we come in warmer times, the garden is lovely and would be a boon in the summer. If you love the Lakes, but also want the benefits of a cosmopolitan town, this is the place for you.Brian2016-11-27T00:00:00Z
Anna made us feel really welcome; the flat is small but perfectly formed; the neighbourhood is quiet, with a convenient parking space, and an easy walk into town. Stay here!Mark2016-12-24T00:00:00Z
Really great place. Anna was brilliant at staying in contact, and when we arrived late was accommodating. It is a nice warm cottage at the back of their place. Literally a 5 minute walk into the centre of Kendal. Photos don't give it justice! It is spacious, with tea coffee and milk as well as breakfast supplied. Would stay again, thanks!Danielle2017-01-04T00:00:00Z
Fantastic stay with great hosts, they went above and beyond to make us welcome, just a shame the area is so beautiful that there isn't much need to stay in the home because it is such a beautiful cottage!Ed2017-02-21T00:00:00Z
Lovely cosy little cottage! We were made to feel very welcome and given excellent advice on local walks - Scout Scar was beautiful. Many thanks!Sophie2016-12-28T00:00:00Z
We loved our stay here! Anna was so warm and welcoming when we arrived and this really set the tone of our whole visit. We felt instantly at home in the cosy and comfortable space. There was plenty of space in the cupboards and drawers in the bedroom, the shower was nice and hot at night, the living room was comfy for relaxing and reading, and the kitchen was stocked with the basics to get us going - coffee, milk, cereals, and of course, the frozen croissants! We loved Kendal for its accessibility to the Lake District and even Hadrian's Wall when the weather wasn't so good for walking. Anna has provided loads of maps of the Lake District which was appreciated. We had a fantastic time in Kendal and at Anna's place (the cottage has character and reflects the heritage of the street and the area) and we would definitely stay again.Kelly2017-01-13T00:00:00Z
A lovely venue in an excellent location. Everything we hoped for and more. A great place to spend our anniversary, thank you!Angela2017-04-06T00:00:00Z
Excellent property, excellent hosts, ideal location to base your adventures and they even leave you some tasty treats!Nicholas2017-03-25T00:00:00Z
Room Type
Entire home/apt
Property Type
Kendal, England, United Kingdom
Brian's farmhouse has a lot of character! Brian makes you feel like at home. The house was really clean and the room is quite spacious. There is wifi in the farmhouse. The continental breakfast was perfect to start the day. I do recommend this place.Jaroslaw2016-08-28T00:00:00Z
Brian is very welcoming and supportive of your stay being quietly on hand if you need him but in the background if you don't. The house is in a dream location with extensive views in every direction and there are many walks setting off directly from the farmhouse. It is a short walk to the local pub and there are a couple of other pubs within 2 miles of Brian. This is a good base if you need to visit Kendal or Windermere but want to be away from all that bustle for a while.Michael2017-03-26T00:00:00Z
Beautiful, quiet place. Location is very nice just outside Windermere/Kendal and easy to reach by car.Klaziena2016-09-19T00:00:00Z
Brian is a fantastic host, very friendly, kind, and really cares that everything is perfect, the place is clean and smells great, very happy to have had the chance to meet him and stay at his house!Leonardo2017-02-12T00:00:00Z
Brian was very accommodating and friendly waiting up for us till after 12 PM on arrival. The place was very clean and the location was perfect for where we wanted to be. Thank you and we recommend staying here.Magdalena2016-10-16T00:00:00Z
Brian welcomed us into his home and showed us where everything was. He was very helpful with suggestions on places to eat for dinner and advised of the need to book especially at the weekends. Brian has a lovely very clean and comfortable home, with a very special character with it being built in 1709, which was one of our reasons for choosing to stay, as we wanted to experience staying in a house like this. Everything was spot on and breakfast was superb and more than we expected. Brian is a great host.Yvonne2016-09-06T00:00:00Z
Everything as described, working farm and an old, refurbished 2-storey farmhouse. We stayed in winter and the bathroom is very cold, the towel heater rail just doesn't cut it. Room was warm and beds are soft but comfortable. Tea/coffee tray appreciated. Breakfast is toast, buns, yogurt and cereal, tea/coffee. Lovely country views from here. Brian and Carol are generous and helpful.Julie2016-10-25T00:00:00Z
It is a very nice far and amazing (URL HIDDEN) is clean and quite.Brain is a very nice man,he prepared delicious breakfast for us.And it is close to Windermere.ZIZHU2016-10-01T00:00:00Z
Room Type
Private room
Property Type
Crosthwaite, England, United Kingdom
Gill was very warm and welcoming upon arrival and showed us around her beautiful apartment. The apartment was exactly as described- it's very picturesque and truly is a place to relax and recharge your batteries. We especially enjoyed the sunset view from the garden and had lots of privacy. The apartment had everything we needed for a self-catered weekend and more! It is a short drive to Windermere and other places in the Lakes. Gill was a fantastic host who provided us with books for our walks and was very helpful when we needed extra information. We would definitely stay here again in the future.Stacey2016-08-01T00:00:00Z
Gillian was kind and welcoming. The studio was cosy and warm with the most beautiful views of the Cumbrian countryside. I was sad to leave!Cate 2016-10-17T00:00:00Z
fantastic place to stay. beautifully self contained with everything you could want. wonderful landscaped garden with amazing views. and we could see snow capped hills from our pillow. thank you so much Gill.michael2017-03-26T00:00:00Z
Very cosy, home-like environment with tasteful decor and a lovely kitchen. Gillian has great communication and made it very nice for us.Jarin2017-01-16T00:00:00Z
Gill was an excellent host; and made us feel very welcome as soon as we arrived. The cottage is very nicely decorated and very clean. It was well stocked and had everything we needed, even a tassimo machine and a cafetiere with coffee ready to use. Everything was exactly as described and more. The location is fantastic and there are some great views from the large bay window. Gill was on hand if we needed anything or had any questions but otherwise we had our own space.Nicholas Andrew2016-08-02T00:00:00Z
We had a lovely stay at Gill's Five Oaks Studio. Lovely views & host.Ben2016-10-02T00:00:00Z
Gill and David were really friendly and their apartment was great, exactly as described and with everything we needed. The apartment is set in beautiful gardens and was in a great location for getting around.Nick2016-07-25T00:00:00Z
The hoster and her husband is very friendly and helpful to us. Unbelievably nice view out of the studio. Worth to stay there during the whole day. We would choose here again when we back to Lake District.Cindy2016-09-27T00:00:00Z
Room Type
Entire home/apt
Property Type
Crook, England, United Kingdom
Shaun is a cool man,he is a expert of extreme sports He's a very generous man. and Hodge Close is a beautiful amazing place Thanks Shaun`s share very very muchShupo2016-03-13T00:00:00Z
Shaun was an excellent host who welcomed me into his home. He was kind, attentive and very helpful with tips on what to do and see in the lake district. The room was small but well equipped for excellent value. The actual property is in an ideal location, walking distance from Kendal station which enables you to travel to Windermere, Ambleside and Oxenholme. Tip: Visit Hodge Close.. you will not regret it!Hibs2016-02-16T00:00:00Z
Shaun's place is welcoming and quirky, whilst basic, it has everything you need. I didn't meet Shaun, but he was very communicative , available to answer and advise wheee necessary. I would use Shaun's place again.Robert2016-10-02T00:00:00Z
Really positive experience. Shaun is friendly and welcoming and extremely laid-back. The house was characterful and the bed was comfy and clean, plus he moved me to a larger room for no extra cost. Same price as a hostel dorm (and with similar facilities) but for a private room, essentially. If you're an outdoor person you'll love staying here.Daniel2016-11-18T00:00:00Z
Nice and clean place, short distance from the stationHoi Ki2016-06-25T00:00:00Z
A good place to stay in a good location, walking distance to Kendal town centre. The room was comfortable, with use of the kitchen and living area. The host made sure I knew all the details before I arrived to avoid any problems, which was greatly appreciated.Jessica2015-10-20T00:00:00Z
Very basic, comfortable, quiet room in a cute/quirky little house for a fair price. Shaun is a very generous, laid back host and he made me feel very welcome. Very relaxed environment. The room is small but it has a little TV, a fridge and loads of DVDs to choose from. Nice hot shower too. Great location (near a big supermarket and 2 minutes from the train station). If you're looking for no frills accommodation at an affordable price in a lovely town close to great walks, etc then I would definitely recommend!Ana2015-11-08T00:00:00Z
Shaun was a great and very flexible host. I didnt actually meet him but he rang me and said to use the upstairs twin room instead of the small single. Twin room was a little drafty but comfy bed and xbox and loads of films on a hard drive that he provided. I spent two nights in the small single, again comfy bed and a little drafty but exactly how it was described and i only needed a bed to crash. Sadly really let down by the shower and the amount of stuff everywhere but it was quirky but cold home. Shaun sounded like a decent chap on the phone and a cheap stay in Kendal!Callum2016-10-11T00:00:00Z
Room Type
Private room
Property Type
Kendal, Cumbria, United Kingdom
Very close to the train and easy walk to all the places. Matt was quick to reply.Jeongmi2016-10-28T00:00:00Z
Great location. Cosy bed.Lukasz2016-10-23T00:00:00Z
The host canceled this reservation 56 days before arrival. This is an automated posting.Edison2016-11-03T00:00:00Z
The listing is accurate. The host was not present at the time of our arrival but did recommend a lovely walk nearby. It property was on a main road but the room was very quiet. Great location, short walk to shops, bus station and train station.Cindy2016-10-30T00:00:00Z
Matt's place is a very convenient base for exploring Windermere and the surrounding area. It is 2 minute s from the railway station, easy parking and a 5 min walk to the town and supermarkets. The apartment is accurately described and cosy and comfortable. Communication with Matt was excellent and he ensured my visit went well.John2016-11-10T00:00:00Z
Small, but comfortable room. You should not have too much luggage with you. The house is near the station and you can park on the opposite side of the Street gor free.Karoline2017-03-20T00:00:00Z
The location is very nice. There r 4 bedroom share one bathroom.Haiqi2016-12-22T00:00:00Z
Matt is a very good host! Easy to communicate and always do response fast and efficiently. The location of his place is awesome! I definitely recommend to anyone who's going to travel to Lake District- especially those who pay your visit first time there, living at Matt's is a perfect choice (2 min walk from train station, close to bus station to the all attractions)!Suki2017-03-25T00:00:00Z
Room Type
Private room
Property Type
Windermere, England, United Kingdom
We had a lovely weekend stay at Stone's Throw. The house is in a quiet residential area within walking distance from both Windermere and Bowness. Sandra and Nigel were very welcoming and we really appreciated their knowledge of the local area. The house itself was very clean and cosy with plenty of maps and books of the area. We particularly enjoyed the sauna after coming back from a long day's walk.Kalinh2017-01-22T00:00:00Z
This place is fantastic-situated pretty much in the heart of Windermere itself which is a beautiful town. Sandra and Nigel are fabulous hosts and take great care and pride in their house which makes for a homely perfect stay and exploring base. The lakes are within easy reach from this accommodation and lots of exploring, climbing, walking, shopping, biking can be done. Overall a 100% recommendation!Vincent2017-01-01T00:00:00Z
The Stone's Throw is a cosy and well appointed home within short walking distance of Windermere's shops, restaurants, bars and cafés. Sandra is a wonderful, caring host who goes the extra mile to ensure you have a nice stay. She is so friendly and easy to communicate with, and was able to accommodate our check-in time requests. Sandra has a lovely sense of humour and she and Nigel made us feel very welcome on the comprehensive house tour. The house itself has everything you need, with the bonus of a sauna. With two double bedrooms and large lounge you could comfortably fit two couples. The welcome pack of tea, coffee, milk, bread etc was very much appreciated. The kitchen had everything we needed to be able to cook a full roast dinner! It was a pleasure to stay and we hope to return soon.Lexi2016-12-11T00:00:00Z
We had a very delightful time at Sandra and Nigel's house. The location is just adequate which is right in front of a beautiful lawn with a very open view towards the hills and to walk through a short cut to the town center is only less than 10 mins. Sandra and Nigel are very warm-hearted thoughtful hosts. Everything we needed while staying was considerately prepared also by following their advice we had a very nice brief taste of the lake land avoiding those packed touristy spots. Definitely gonna come back again!Lisa2016-09-04T00:00:00Z
Sandra is a wonderful host. She offers generous hospitality to guests making sure we have our needs met. We are very much at home. Her place is at an ideal location to most amenities and lake attractive places. Thank you, Sandra.Christine2017-03-30T00:00:00Z
We had a lovely short break at Stone's Throw. Sandra made us feel very welcome, even waiting until quite late for us to arrive after some terrible traffic. The house is very comfortable (especially the reclining sofa!) and the breakfast food and snacks were gratefully received. The cottage is a short walk from Windermere town centre and is a great base for discovering the lakes. Sandra was very easy to contact before and during our stay and we would happily stay here again, hopefully for longer next time!Susie2016-08-16T00:00:00Z
This is a great little cottage - really easy to get to and in a great location for walking into Windermere, but well away from the crowds. Sandra made us feel completely welcome and the house was everything we could have wanted.Clare2016-09-15T00:00:00Z
We had a fantastic stay at Stone's throw. Sandra met us on arrival and gave us a tour of the house, a chat about how everything works and what good restaurants there were in Windemere. She left us a great starter pack of tea, coffee, juice, dishawasher tablets, washing tablets etc. We didn't need to buy any of these "basics" during our stay. The sauna was great after a long walk around the lakes. The house was spotless. A really good location- 5 minute walk to Windemere and about 15/20 minute walk to Boness. We were able to have breakfast and dinner outside on the patio each day which was great. The neighbours were friendly and we didn't feel like tourists!Kyna2016-08-30T00:00:00Z
Room Type
Entire home/apt
Property Type
Windermere, England, United Kingdom
A house on the hill side which has a stunning view. The room is bright, tidy and warm. Rebecca and Paul are wonderful, warm-hearted and thoughtful(Paul drove us to the railway station). The breakfast in the morning was so tasty.Angel2016-09-30T00:00:00Z
Becky and Paul made us feel very welcome. We enjoyed ourselves immensely. Lovely place and highly recommended to potential visitors.Douglas2016-05-25T00:00:00Z
Rebecca is really nice. She and her husband is easygoing. The house is decorated well, with a beautiful nice garden. The room is cozy and clean, and we spent a super relaxing time. The breakfast offered by Rebecca was delicious. By the way, they have a lovely little dog called Lucy. She's so cute. Highly recommended!Wei2016-11-04T00:00:00Z
Rebecca runs a beautiful, family-run home. We arrived later than planned and were welcomed like old family friends and a cup of tea, a nice touch after a long delayed journey. The house is clean, comfortable and well located for both Windermere and Bowness. The room is large and very comfortable, and has some lovely views as its situated on a hill. Would definitely recommend!Philip2016-07-30T00:00:00Z
It is really a gorgeous room with beautiful scenery, no matter raining or shining. Besides, the convenient facilities in the bedroom and bathroom could satisfy everyone. Thanks to Rebecca and her husband, also their lovely dog, Lucy. As that day was my husband birthday, so we planned with a celebration brunch. Next time, let's have a breakfast together.Samantha2016-07-06T00:00:00Z
Rebecca and Paul are a very kind couple.Their shop is lovely too.The room is comfortable and clean,just the same with the picture shows.Rebecca's breakfast is delicious.We had a good time in Windemere.Everything is so wonderful.程2016-06-23T00:00:00Z
We had a lovely stay at Rebecca's. The room is large and clean with a wonderful view of the mountains. Rebecca also served us nice breakfast each morning and we enjoyed our conversation with her. Highly recommended!Sundeep2016-08-01T00:00:00Z
I love your house and bedroom, very nice and beautiful, with wonderful breakfast. Thx Rebecca! I would strongly recommend this place!Daniel2016-07-17T00:00:00Z
Room Type
Private room
Property Type
Windermere, United Kingdom
The cottage is beautiful and relaxing. It is only a short drive to the main sights of the The Lakes.Kim2016-07-16T00:00:00Z
We really enjoyed our stay at the cottage. Good communication from Simon and Alba. Nice decor, clean and really enjoyed using Alexa (the amazon echo voice service) to listen to jazz music with our dinner and to turn the temperature up (easily excited!). Good location; a 5 minute walk to town centre, with plenty to see and do. Car parking available with permit provided. Only one day did we struggle to park right outside the house- we just went up the road a bit. Lovely, cosy pub a few doors down. Great after a long day of walking. Would definitely recommend this place.Hannah2017-01-29T00:00:00Z
Although our stay was only short we very much enjoyed the accommodation. It was great to have space to move around, have facilities to cook meals and feel a little like home especially after being in hotels for the previous couple of weeks. We would love to return again some day and further explore the Lake District area.Jenny2016-12-24T00:00:00Z
Had a lovely stay once again at Simon and Alba's cosy home.David2017-02-10T00:00:00Z
Alba & Simon's place was a beautiful, clean, cool and perfectly positioned place to stay....very happy.Alex2017-03-17T00:00:00Z
We loved the place. They thought of every possible item a traveler might need, and it was very clean and modern. The bed and bedding were very comfortable. We got confused using one appliance, and they responded immediately with help. The location was perfect for exploring The Lake District, which we found to be absolutely enchanting! We hope to return again.Susan2016-10-28T00:00:00Z
Very comfortable cottage in a good location. Alba and Simon were great hostsJack2017-02-17T00:00:00Z
Alba and Simon were very welcoming.The place is cosy and calm.We had a wonderful stay at their place.Everything was perfect.Neethi2016-10-18T00:00:00Z
Room Type
Entire home/apt
Property Type
Kendal, United Kingdom


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www.r3connect.com [cached]
David Hodskins, PresidentDavid Hodskins, PresidentDavid Hodskins joined R3Connect as President in 2002.With over twenty years of domestic and international experience as an entrepreneurial executive and strategic marketing communications consultant, Hodskins offers R3Connect's clients expertise in strategic planning, branding, and positioning.David has been deeply involved in creating and managing effective and award-winning advertising and other marketing communications for technology companies ranging from start-ups to Fortune 500 companies.David's background includes: Hodskins founded Hodskins Simone & Searls, Inc (HS&S), one of Silicon Valley's largest and most successful advertising agencies in the 1990s.HS&S was the first Silicon Valley agency to pursue a global strategy -- HS&S helped found a European network of affiliate agencies called Group 92, opened an office in Paris in 1995, and created a Latin American network of affiliates called HS&S Latino Group in 1996.In an effort to accelerate this global expansion, HS&S was acquired in 1998 by Publicis, and renamed Publicis Technology (PT) with offices in San Francisco, London and Singapore.David was the COO of PT's global operations, and President of PT's North American efforts.David has extensive brand architecture and corporate positioning expertise, having provided this counsel to the likes of Zenith Data Systems, Symantec, Kingston Technology, Cadence, Informix, AMD and others.In addition to traditional media, David has been involved in outbound online marketing programs; as well as design, construction and implementation of complex Web sites. Hodskins received his BA from Duke University and a Masters of Education from the University of North Carolina.But he cheers for the Blue Devils.
The Searls Group began as the public relations division of Hodskins, Simone & Searls, an advertising agency founded by David Hodskins, Ray Simone and Doc Searls in 1978.
Imation - News Archive
www.scotchfilm.com [cached]
David Hodskins, CEO of Publicis Technology San Francisco said, "We are excited to be appointed by Imation to help build its brand through superior marketing communications.Publicis Technology brings to Imation our experience in delivering integrated communications for technology companies in high-growth, fast-paced markets, to support the implementation of Imation's global strategy."
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David Hodskins , CEO of Publicis Technology San_Francisco said , We are excited to be appointed by Imation to help build its brand through superior marketing communications.Publicis Technology brings to Imation our experience in delivering integrated communications for technology companies in high-growth , fast-paced markets , to support the implementation of Imation's global strategy..

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Both iron ore and diamond output rose in the first quarter thanks to a continued ramping-up of the company's Minas Rio mine in Brazil and improvements in the gem market.
Palladium Mining News
Iron ore, copper price plunge brings carnage to mining stocks
Worries about Chinese economy and rising tension surrounding North Korea brings fear trade to mining and industrial metals.
Buy precious, sell base (metals)…..
Precious metals expert Michael Ballanger explains why he believes base metals are overbought and precious metals, especially silver, are set to appreciate.
Top 50 biggest mining companies
Combined worth of $842 billion with 20% gains so far in 2017.
Precious metals are in alignment for a major ascent
Precious metals expert Michael Ballanger discusses silver's recent price performance and why he believes precious metals are in alignment for a major ascent.
This precious metal has surged 32% in 2017
Rhodium jumps back above $1,000 an ounce for the first time in nearly two years.
How to build a mine
There are three key components to building a mine, starting with a competent, experienced management team.
Making the grade: understanding exploration results
The most exciting news from a mining exploration stock is a high-grade drilling result.
CHARTS: Hedge funds turn commodity bears at record pace
Large-scale futures speculators sour on commodity sector in a big way – bullish bets on gold price cut by nearly 50%, most since 2015.
Dieselgate hasn't hurt platinum price
Strong ETF inflows, rising autocatalyst demand despite Volkswagen emission scandal combined with falling mine supply to boost platinum price says new study.
Stillwater Mining takeover needs more study
US Foreign Investment Committee scrutinizing South African gold miner's $2.2 billion offer for the only US platinum, palladium producer.
Human activity creates 208 new mineral species
Study shows mining has sparked "unparalleled inorganic compound diversification" like rabbittite at Lucky Strike, Utah and a handful found on smelter walls
Mining exploration spending drops to 11-year low
Miners and explorers are only spending a third of what they did four years ago – and proportion of greenfield exploration are at record lows.
Toyota's new technology a blow for platinum, palladium price
World's top carmaker says first vehicles using new catalyst technology that reduces PGM loads by 20% will leave assembly line later this year.
Anglo American not selling assets any more as it returns to profit
The world's number five diversified miner posted its first annual net profit in five years.
CHART: Mining rally continues into 2017
Seaborne coal, tin prices are the big exceptions.
South African judge clears path for Ivanhoe Mines' Platreef mine development
Judge revoked an interim order that prevented the company from relocating graves present at its Platreef platinum group metals mine, in Limpopo Province.
Moon Express ready for first private lunar trip after raising another $20M
The private space exploration firm has enough money to hit the moon by the end of 2017.
The silver lining of the 'violent, stunning, historic collapse of palladium' and how to profit from it
Chen Lin, author of the popular newsletter What Is Chen Buying, What Is Chen Selling?, explains what happened and how investors can profit from the drop.
Palladium price surges to 22-month high
Years of underinvestment in top producer South Africa affecting supply.
World Bank on a Trump economy and commodities
World Bank's 2017 outlook says US impact on commodity markets diminished, but it's still number 1 for oil and number 2 in copper, aluminum and lead.
CHART: How every commodity performed in 2016
It was an up and down year for commodities, but things ultimately finished in the black.
INTERACTIVE: Mining emerges from slump
With only a couple of exceptions, metal and mineral prices rallied in 2016 – see at a glance how far the industry has come.
SLIDESHOW: Mining on the mend – 2016 year in review
The global mining industry rebounded from multi-year lows in 2016 – MINING.com's most popular posts of the year tell the story.
CHART: China's economy growing fastest since 2013
Turnaround in GDP expansion in world's top commodity consumer over the past few months "almost as sharp as in 2009" says new study.


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This work was supported by an EPSRC First grant. J.B. acknowledges The Royal Society for a University Research Fellowship and a research grant. Simulations were carried out at the High Performance Computing Facilities "HECToR" (Edinburgh) and "Darwin" (University of Cambridge).
Insight into the Mechanism of the Ru2+–Ru3+ Electron Self-Exchange Reaction from Quantitative Rate Calculations†
Version of Record online: 9 APR 2010
DOI: 10.1002/anie.200906455
Copyright © 2010 WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim
Angewandte Chemie International Edition
Volume 49, Issue 21, pages 3631–3634, May 10, 2010
Additional Information
How to Cite
Oberhofer, H. and Blumberger, J. (2010), Insight into the Mechanism of the Ru2+–Ru3+ Electron Self-Exchange Reaction from Quantitative Rate Calculations. Angew. Chem. Int. Ed., 49: 3631–3634. doi: 10.1002/anie.200906455
- †
Publication History
- Issue online: 6 MAY 2010
- Version of Record online: 9 APR 2010
- Manuscript Revised: 3 FEB 2010
- Manuscript Received: 16 NOV 2009
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Daily selections from Director of Broadcast Media, Joe Withee, Track Announcer Matt Dinerman and "Vic's Trip" from local media legend, Victor "The Predictor" Cozzetti (Vic's Website).
Race 1; 5-Arviat Bay, 3-Swiss Cause, 1-Web of Demons
Race 2; 3-Hello Brown, 2-Call Me Cinderella, 4-Sharp Focus
Race 3; 6-No No, 1-Knife River, 3-Kelbaker
Race 4; 6-Kalakala, 1-Meatball Paul, 5-Memphis Mobster
Race 5; 4-Midda's Gold Touch, 2-He's All Heart, 5-Parkers Bluff
Race 6; *1-Valid Keiki, 2-Coming in Hot, 7-Capital Expense
He's run well fresh before and this is his easiest spot to date – look for VALID KEIKI to assert himself to victory.
Race 7; 6-Solar Heat, 5-Dancing Pistol, 2-Thorn Legacy
*best bet
Race 1: 2-Call Me Never, 1-Web of Demons, 5-Arviat Bay
Race 2: 5-Tres Twain, 4-Sharp Focus, 3-Hello Brown
Race 3: 7-Swiss Script, 1-Knife River, 6-No No
Race 4: 1-Meatball Paul, 5-Memphis Mobster, 8-Geldaudomat
Race 5: 7-Bob Is Back, 5-Parkers Bluff, 6-Secret Harbor
Race 6: 2-Coming in Hot, 5-Hoody, 3-Cause I'm Bad
2-Coming in Hot makes his first start since October for trainer Blaine Wright, who wins at a 26% clip with runners making their first start off a layoff longer than 180 days. This gelding runs his best races over this track and has been working very quickly in preparation for his 2017 debut. Since this is a waiver-claiming race, Blaine opts to protect him so he cannot be claimed; that's a positive sign. 5-Hoody was very competitive at the open 10k claiming level all of last year and has hit the board in the majority of his races. He fits in well with this group. 3-Cause I'm Bad finished third at this level on opening night and could hit the board again with his best race. A good one to use in exotics at what might be a decent price.
Race 7: 2- *Thorn Legacy, 4-Royal Patriot, 7-Our Power Surge
*best bet


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Nicole Esposito Polly
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Aaron Spuler is a firearms enthusiast and recreational shooter. Follow more or his work at The Weapon Blog
Minuteman Watch Co. is proud to announce their first collaboration with Southern Grind on an American made knife.
Chenoa IL, December 8th 2017 – The American brand Minuteman Watch Co. has just announced that they have joined forces with Zac Brown's Southern Grind to offer a special version of the Southern Grind Spider Monkey. Minuteman has started to except pre-orders on these special American made knives. Minuteman will only be making one batch of these special knives. The company is accepting orders now thru May 31st.
This special knife will carry both the Southern Grind name and logo and the Minuteman brand logo. Each knife features tan G10 handle scales, military style nylon fob, and a black PVD coated blade made out of premium S35VN blade steel.
The idea behind this special edition Minuteman / Southern Grind Spider Monkey is to offer a high quality American made knife, and to raise funds for the Red Circle Foundation charity. Minuteman will donate a portion of the profit from each knife sold to the charity. For details about that the company urges you to visit their site here.
In addition, a portion of the sales of Zac Brown's Southern Grind knives go to benefit Camp Southern Ground, the non-profit passion project of three-time GRAMMY award-winning artist Zac Brown. To learn more about Camp Southern Ground please visit CampSouthernGround.org.
Here are the specifications:
Handle: Tan G10
Lock & Liner: 6AL4V Titanium
Grind: Conventional Flat Grind
Blade Steel: S35VN
Hardness: RC 58-59
Blade Length: 3.25 inches
Blade Finish: Black PVD
Weight: 3.2 oz
Overall Length: 7.4375 inches
Handle Length: 4.1875 inches
Blade Thickness: .130 inches
To find additional info and photo's for this special knife be sure to check out the Minuteman Watch Co brand web site here.
About Minuteman Watch Co.
Minuteman Watches was brought to life in 2013, for 3 reasons:
1. To raise funds for charities that assist Veterans and their families.
25% of the profit from our net annual sales of Minuteman products goes to charities assisting veterans & their Families.
2. To provide work for Americans whenever we can.
3. To provide a quality product that will stand the test of time.
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How We Go to Market INSTRUCTOR NOTE:
THE NOTES IN THIS GUIDE FOLLOW THE SELF-PACED AUDIO MODULE. THE FOLLOWING VIDEO LINKS ARE INCLUDED IF YOU CHOOSE TO SHOW THEM PARTIALLY OR IN THEIR ENTIRETY: Appointment-Setting Video Decision Maker Presentation Video Welcome Call Video Group Meeting Video 1-to-1 Benefits Counseling Video Welcome to the tutorial "How We Go To Market." Click the next button to start the training. How We Go to Market
Menu By taking this tutorial you will learn how we go to market which is important to you, because you will see how all roles affect the sales process, which means to you that roles specialization can help ensure that accounts are opened, coordinated and enrolled in a consistent and successful manner; and the real benefit to you is that when you meet the enrollment goals of the decision maker along with your own goals, you will be able to ask for a referral and the sales process comes full circle. In this lesson, you will learn how we go to market - which is important to you because you will see how all roles affect the sales process, which means to you, that roles specialization can help ensure that accounts are opened, coordinated and enrolled in a consistent and successful manner and the real benefit to you is that when you meet the enrollment goals of the decision maker along with your own goals, you will then be able to ask for a referral and the sale process comes full circle. WHO We Target WHAT We Offer HOW We Make It Happen WHEN We Measure Success
What's Our Fit in the Voluntary Market?
How We Go to Market You are with the right company at the right time.. What sets us apart in today's market are the benefits counseling and enrollment services we provide to accounts of all sizes – both core and voluntary benefits. As an additional value to our personal insurance products we offer services to the employer to help them enhance and better manage their benefits program at no direct cost. Our most competitive advantage is a distribution system that includes thousands of career benefit counselors across the United States. Most of our accounts employ less than 500 employees, but we have many large cases with 2000-plus lives. We meet the benefit needs of all account sizes, and can offer our products and services to employers with as few as three benefit-eligible employees. An excellent field and home office team comes together daily to guarantee continued success, and provide a great resource to our sales representative team. What's Our Fit in the Voluntary Market? Pioneered payroll marketing in 1955 An original pioneer in the industry Incorporated in 1939 $1 billion company Operations in 49 states and the District of Columbia 70,000 accounts with over 3 million policies in force A distribution system of career benefit counselors across the United States Brokers account for 2/3 of Colonial Life premium Our value proposition: products, services, benefits communication, enrollment services
Only Through Colonial Life…
How We Go to Market Benefits Communication and Education, Flexible Enrollment Options, Insurance Products and Excellent Delivery, Service Standards and Reputation… Your accounts can count on us as a long-term partner to help them: Keep costs down. Fill gaps in their benefit programs. Enhance employee appreciation of what an employer provides Realize tax savings. Consider new options. Only Through Colonial Life… Benefits Communication and Education that helps each employee understand and appreciate benefits available at work. Flexible Enrollment Options that save time and money. can you find these benefit solutions all together in one place. Excellent Delivery, Service Standards and Reputation Insurance Products tailored to personal needs.
Joe Opener Mary Susie Benefits Counselor
How We Go to Market We help employers design a flexible employee benefits package that fits their specific business needs. When our voluntary products, benefits education, enrollment and value added services are added to an employer's benefits package, the result is a more loyal and satisfied workforce and, ultimately, a stronger business. In this presentation you will hear how this team of three roles-specialized Representatives work together to complete a typical sale. Video links are also available for your review that will provide you with additional information. We Consistently Deliver on Our Promise My roles-specialized sales team includes an opener, coordinator and benefit counselor. Joe Opener Mary Coordinator Susie Benefits Counselor Roles Specialization is the Key to Our Success
Joe Opener It All Begins with Me, Joe the "Opener"
Multiple notes pages support this slide How We Go to Market INSTRUCTOR NOTE: Before showing this slide, ask reps what sources they would use to gather leads. Flip chart their responses. Review the slide and discuss. Specifically discuss referrals. Which lead do you feel would give you the BEST opportunity for a new account? Why is that the BEST lead? (Here we are looking for REFERRAL as the best, if you do not get that – help drive them to it) If you said "referral" you are correct! However, you must know that referrals are earned. In order It All Begins with Me, Joe the "Opener" Open new accounts, gather leads and identify potential groups Joe Opener Libraries - Reference USA.com and other sites People I know/Past relationships Network with business associations Community organizations Brokers Customer referrals to ask a decision maker at a company for a referral you must first provide value to them. Once you have given value, all you have to do to get referrals is ask for them. Hi, I'm Joe, and as you've noticed… it all begins with me (laugh). Join me as I share the opener's roles and responsibilities and how important they are to our marketing process. My most important responsibility is to open new groups. How do I do this? By gathering leads and identifying potential groups. Libraries are a great source for doing leads research. They provide online access to an internet site called that provides a great deal of information about companies in your area. With a library card you can even access it from home! Another great source are your friends and past relationships. How often do you think about where your friends work? Put these companies on your group prospect stimulator. The purpose of the stimulator is to jog your memory on the companies you know and do business with. Networking through business associations and community organizations like the local Chamber of Commerce or Rotary can also be very rewarding. I recommend you take an active, service role with this organization so you can get to know the membership. As you become more involved in our business, you'll meet and develop relationships with brokers. Where do you get your best leads? From customer referrals – they're the greatest testimonial you can have for quality, service and trust.
Joe Opener I Qualify the Lead then Set the Appointment
How We Go to Market A qualified lead includes The company name and current address, name of the business owner, phone number, number of employees and whether they offer benefits to their employees. After I have my qualified list of leads I call them to set an appointment to make a decision maker presentation. You can get a copy of our recommended leads script on Propr or in the Appointment Setting class. The script is a successful prospecting tool. It is predictable, repeatable and has been proven to be very successful. It's important to understand that phone prospecting a few hours several days during the week ensures your chances of success. I recommend that you follow the suggested hard calendar of your territory and district. I Qualify the Lead then Set the Appointment To qualify a lead, identify: Company name and current address Name of the business owner Phone number Number of employees/whether they offer benefits to their employees Call to set the appointment with the Decision Maker Use the recommended Leads Script Predictable, repeatable and proven to work Download from Propr; or take the Prospecting Class If you have not already attended the Colonial College Appointment Setting Class you will want to do this as soon as possible. To register for a class go to the Prospecting course page on Propr. INSTRUCTOR NOTE: ask reps if they know what a qualified lead means. Flip chart and discuss. Joe Opener
Joe Opener Presenting to the Decision Maker 20 Minute Appointment
How We Go to Market After the appointment has been set, you'll need a professional presentation to share with the decision maker. Go out to Propr and get our Decision Maker Presentation. It is the suggested script that will help you know what to say, and an agenda to walk you through each step of the presentation. When you package the script with our "Benefits That Count" brochure, you'll have a very successful tool. One of the most important steps of the presentation is the "discovery". Using the Discovery Form, I ask questions to better understand the business and its needs. The answers that a decision maker provides will point you in the right direction, and you'll be able to position the right products and services. Presenting to the Decision Maker 20 Minute Appointment Decision Maker Presentation and Script Benefits That Count Brochure (for small accounts) Benefit Solutions That Count Brochure (for large case accounts) Discovery Form Our "Benefits That Count" brochure was specifically designed to help you close smaller accounts. The "Benefit Solutions that Count" brochure is used for large case accounts. This brochure covers several of our services in more detail. Both brochures help you move through a logical flow of positioning us as the solution to their benefit issues and helps the decision maker say "yes." SHOW DM PRESENTATION To get the Discovery form and review the presentation in its entirety go to: Propr > Sales & Service > Playbook System Joe Opener Decision Maker Presentation Video
Joe Opener I Negotiate Good Working Conditions
Multiple notes pages support this slide How We Go to Market INSTRUCTOR NOTE: Before you show this slide, ask questions about each of these working conditions to find out what the reps know. Working Conditions are critically important, but do you know what they are? When we present our products and services, we also set the expectation of "how" we will be successful for the decision maker. We call this working conditions. Remember, you don't really have an account until you have a completed, successful enrollment. Setting good working conditions helps us achieve a successful enrollment. The Group Meeting is used to help employees understand and appreciate the benefits offered by their employer, help employees understand how their enrollment process will work, and the new benefits that will be offered. Use group meetings to deliver a I Negotiate Good Working Conditions Group Meetings Delivery of a consistent message to everyone Helping employees understand and appreciate their benefit offerings 1-to-1s Being able to see each and every employee in a private setting Discussing personal needs Internet Internet connectivity to our online Harmony's enrollment platform consistent message to all employees at one time…it will reduce the amount of time you spend in the one to one meetings. One to One Benefits Counseling is an important working condition. Being able to see each and every employee allows us the opportunity to provide customized presentations in a private setting, so each employee can open up about his or her needs in a safe, secure place. Always negotiate a private room with a table, chairs, internet access and electrical power to ensure your success. Internet Connectivity Harmony® is an online web based enrollment system that is our preferred enrollment method . We will discuss its capabilities later in this training. Time is another important working condition. Establish the time needed for your enrollment early in the process. The enrollment type will dictate how much time is needed before the enrollment starts, how long the one to one meetings will take and how much time after the enrollment is needed to prepare the reports. Data is a critical working condition. The type of enrollment we conduct determines how much data is needed from the account. We'll need employee data provided to us electronically in an Excel spreadsheet. As a Colonial Life Representative, you and your account have access to a secure method of sharing data. This tool is called Secure File Transfer. Finally, set Enrollment Goals by identifying everything that you and the decision maker have agreed upon. These goals give your enrollment team focus and direction. A few examples of enrollment goals include updating employee address and phone information, increasing participation in core benefits and/or Section 125, and helping employees understand and appreciate all that the employer does for them. When the opener sets enrollment goals it will give them an opportunity to talk with the decision maker after the enrollment and ask for a referral. Joe Opener Set these expectations with the decision maker because success depends on good working conditions! Time Prep time before the enrollment 1-to-1 sessions Time for reporting after enrollment Data Electronic employee census info Sharing data through our Secure File Transfer Tool Enrollment Goals Agree on enrollment goals such as updating employee info, etc. Meet goals so you can ask for a referral
Joe Opener …and, when the Decision Maker Says "Yes"
How We Go to Market INSTRUCTOR NOTE Cover each item on list Have examples of completed forms for them to review. Be sure to demonstrate the Opener Folder with the leave behind data sheet and the Post Yes Script. RESOURCES: Post-Yes Script – Opener Folder When I hear "YES" from the decision maker, I know it's time to complete the paperwork. You'll need: A New Account Set-up Sheet to collect the company information, and A Commission Set-up Sheet to ensure you get paid! The New Account Set-up Sheet and the Commission Set-up Sheet must be completed for every account. …and, when the Decision Maker Says "Yes" It's time to complete the paperwork! New Account Set-up Sheet Commission Set-up Sheet Flex Supplemental Form Section 125 App ER Contribution Form These other forms are used based on the needs of the account: The Flex Supplemental Form is required if you are setting up a Section 125 plan or if our benefits are added to an existing Section 125 plan. A Section 125 Application is also required if the account does not have a current pre-tax program in place and wants to use our vendor partner to set up and assist with their Section 125 plan. The online Employer contribution form is completed when the employer contributes to any of our products. It is very important that you meet with your manager or trainer to learn about all these forms in detail. Joe Opener
Joe Opener I Conduct the Welcome Call 1 My Welcome Call
How We Go to Market After the decision maker signs all the paperwork - the opener (or the coordinator) will fax it to the New Account Setup department. Once the paperwork has been received a call is made to the New Account Setup department. The opener (or coordinator) and a representative from the account which might be the decision maker, the plan administrator or a payroll manager completes the Welcome Call. My Welcome Call solidifies the business relationship between the new account and home office, and must be completed prior to the start of the enrollment. One objective of the Welcome Call is to reduce billing errors, which is a major complaint about some of our competitors. Reducing billing errors is a major step in becoming a partner with the account, and not just another vendor to the account. I Conduct the Welcome Call 1 My Welcome Call Solidifies the relationship Reduces billing errors Creates a partnership Makes us unique Sets up the account's: Billing Control Number (BCN) Commission Account Number (CAN) Premium Effective Date (PED) Coverage Effective Date (CED) Risk rating (if disability is offered) 2 Again, be sure to meet with your manager to understand this process in detail. Most companies don't do Welcome Calls; providing this service makes us unique! Show 20 sec of the Welcome Call Video – NOTE You will need to launch the demo from the Tutorial (from the Menu on page 2, select the last option, Welcome Call Demonstration). During the Welcome Call, the home office provides me with the information I need to set up the account. There's the (BCN) or Billing Control Number for the account. They also assign a (CAN) or Commission Account Number that is used to reflect the commissions that will be earned according to each role. The (PED) or Premium Effective Date identifies the first premium due date and (CED) or Coverage Effective Date identifies the policy effective date. If you're offering our disability products, you will also be given a Risk Rating, which determines account eligibility and pricing for disability premiums. Finally, the home office sends an to the account contact. When this is replied to, it prompts the contact to set up a profile for access to Colonial Connect, a customized website developed just for your account's Plan Administrator. This website gives the PA access to billing, claim forms, CCH HRAnswersNow and Secure File Transfer. All of these terms will be explained to you by your manager or trainer. Be sure to attend all training when it's available in your area. Joe Opener 3 Welcome Call Demonstration 4
Joe Opener Mary After the Welcome Call…
How We Go to Market INSTRUCTOR NOTE: It important that you discuss the Sales Contact and Service Contact roles how it affects Harmony® access. After the Welcome Call is completed, I give all of the account information to my coordinator, Mary. The home office will grant access to the Harmony shell based on the names identified for the Sales Contact and Service Contact on the Commission Account Setup Sheet. This is typically the opener and the coordinator. Keep in mind, if the Welcome Call isn't completed or the new account paperwork isn't finished, signed and faxed in to the New Account Setup department, the Harmony® shell will not be created and the coordinator will not be able to build (set up) the account for the enrollment. Now Mary will tell you what she does! After the Welcome Call… I hand off the account's information to my coordinator, Mary The home office grants access to the Harmony shell based on the names identified for the Sales Contact and Service Contact on the Commission Account Set-up Sheet. Joe Opener Mary Coordinator
Mary Now It's Time to Coordinate the Enrollment Coordinator
How We Go to Market Now It's Time to Coordinate the Enrollment INSTRUCTOR NOTE: discuss the importance of each these bullet points. It's my responsibility to contact the account to set-up or confirm the dates and times of both the pre-enrollment (Group) meetings and/or the one-to-one enrollment meetings. I'll ask for an electronic spreadsheet with the employee profile information. If this enrollment includes Core I will ask for the employee deduction information as well. I verify when the enrollment results, which are the new employee deductions, must be delivered to the account, in time for the first payroll deduction for the employees. My primary responsibilities are to: Contact the Plan Administrator to set-up or confirm dates and times for group meetings and 1-to-1 benefits counseling sessions Gather employee information (electronic census data) Create the enrollment guide Build packets and conduct pre-enrollment meetings with benefit counselors Sometimes attend group meetings Help determine the enrollment method I'll also create an enrollment guide which is a written set of enrollment instructions for the benefit counselors. The guide lays out every detail of the enrollment so there are no misunderstandings during the enrollment. I also build packets which include all account specific information for the benefit counselors and hold pre-enrollment meetings with them. From time to time I'll attend and may be a part of the group meeting. Based on the opener's notes and my conversation with the PA an enrollment method will be decided upon. Mary Coordinator
Co-Browsing (requires virtual meeting room)
How We Go to Market INSTRUCTOR NOTE: Ask questions about each of these methods to see how much the reps know and understand. Choosing the right enrollment method is very important so let's discuss them. Our number one preferred enrollment method is always an individual 1-to-1 benefits counseling session. We specialize in meeting face to face with employees at the account. We can do these online or offline, and all sales representatives involved must be licensed in the state where the application is taken. This type of enrollment allows employees to ask specific questions that impact them directly. Co-browsing enrollments are for employees not able to meet face-to-face at the account, but are able to meet via phone and video conference to virtually enroll. This method can save travel time and expenses when the account has remote employees. The video conference service must have the ability to share or give control functionality so the employee can sign the application. Benefits counselors must be licensed in the employee's resident state and should use the employee's resident state as the app signed state. Call center enrollments are for those employees who are not able to meet at the business site but can call to enroll. This is usually the desirable option if the account has a large population of employees who cannot be reached by a traditional 1-to-1 benefits counseling session. This type of enrollment does require home office approval by contacting your underwriting risk manager for consideration and restrictions. The Harmony system will pre-populate the employee's resident state as the app signed state. Sales representatives must be licensed in the employee's resident state to enroll via call center, as well as certified for call center enrollments. Refer to the Propr course page to take this training. I Help Joe Choose the Right Enrollment Method We offer many enrollment options: Harmony® Enrollment System Agent Assisted Co-Browsing Call Center Self-Enroll Express Enroll Paper Applications Census Enroll Auto Enroll Connections Co-Browsing (requires virtual meeting room) 1-to-1 Agent Assisted Paper Apps Self-enroll is done through the Harmony system where employees can log in and enroll themselves. This is an option for employees who may have missed their opportunity to meet 1-to-1 with a benefits counselor. Self-enrollments work best when core benefits are also enrolled through Harmony. This option is not a preferred enrollment method because of potentially low participation and high risk. Self-enroll does require home office approval by contacting Underwriting for considerations and restrictions. The typical commissions for the benefits counselor role are split between the opener and the home office. The home office submits the business, not the benefits counselor like they do for all other enrollment methods. The applications for self-enroll are submitted after the enrollment period stop date. Express Enroll is our new enrollment method. This option should be considered when you are working with a broker or employer who will not allow any of the enrollment options already mentioned. This can only be used for the first enrollment of new accounts to allow the broker or employer to see the value Colonial Life can provide. The setup is field-enabled in Harmony and the account must have a minimum of 50 lives. The product offering is limited, and the employer can select up to three of the following products: Group Critical Care, Group Accident, Group Medical Bridge, Group Disability or Whole Life. A licensed sales representative must be present at the Group Meeting and licensed where the Group Meeting takes place. This option requires a paper sales summary, and is processed as manual business. Census Enroll in takeover situations with less than 100% employer paid products is available for Group Critical Care, Group Disability, Group Term Life, Group Medical Bridge and Group Accident. The capability can also be used with Group Cancer if an additional product line is included. With Group Cancer, there will be a 50% reduction in compensation for all sales roles. To use Census Enroll, accounts must have a minimum of 100 currently enrolled lives. Benefits counselor compensation will be coded to the home office. Census Enroll is also available when the employer pays for 100% of the employee's coverage. There are two options: 100% Employer Paid Employee Only Coverage and 100% Employer Paid All Covered Levels. If the employer elects to pay for the employee-only coverage, then the employee has the option to purchase Spouse and/or Dependent coverage. It is available for all Group product lines – with the exception of Group Term Life. Auto-enroll is available for accounts with 250 or more eligible lives and requires approval by Group Underwriting. Auto-enroll census data should be submitted to the home office using existing secure file transfer. It is only available for the following group products: Group Medical Bridge, Group Critical Care, Group Accident and Group Term Life. The employees must Opt Out if they do not want coverage; otherwise, they will be automatically enrolled in the products. The enroller compensation will be coded to the home office. Colonial Life Connections is available for an account to use their current enrollment platform and bridge to the Harmony system. Harmony Connect accommodates the account's enrollment platform for a subset of the benefit offerings. The transition is seamless to the employee so decision makers, plan administrators and business owners can be assured of a streamlined enrollment process. Make sure you attend the Harmony® enrollment class for more detail. To get more information on the Harmony system go to Propr > Sales & Service > Enrolling Mary Coordinator Self-Enroll Connections Express Enroll Auto Enroll Call Center Census Enroll
Mary After I Confirm the Enrollment Method with Joe… Coordinator
How We Go to Market After I get the "thumbs up" from Joe, to continue with the enrollment, I contact Susie, our benefits counselor and provide her with the Enrollment Guide I've prepared. I enter key account information in the Enrollment Guide like the enrollment's dates, times, and locations. It also lists paperwork dates and deadlines for our voluntary and core enrollment paperwork to be turned in. After I Confirm the Enrollment Method with Joe… To do: Get Joe's sign-off to continue Add dates, times and locations to the Enrollment Guide Meet with Susie to prepare for enrollment Mary Coordinator
Susie Benefits Counselor
How We Go to Market INSTRUCTOR NOTE: Be sure to discuss the difference in Harmony® Online and Offline When a Colonial Life laptop is needed What materials go into the employee enrollment packet Being prepared with for the enrollment with the necessary supplies GROUP MEETING VIDEO As a benefits counselor my responsibility begins by ensuring that Harmony® is available for accessing online or offline enrollments. If the account will be enrolled offline, I must download the database to my Colonial Life issued laptop. It's Time to Prepare to Enroll Susie Benefits Counselor Confirm my Harmony® access (Online/Offline) Download the database to my laptop (Offline only) Prepare the enrollment packets Check my equipment and enrollment resources Attend group meetings (if necessary) I prepare enrollment packets for the employees based on the specifics set up by the opener and coordinator. It's really important that I to check to ensure my printer's also working, I have extra ink cartridges, and that I have a power cord and paper applications. If the power goes out, I'll need paper apps so I can continue the enrollment. Sometimes a benefits counselor is asked by the opener or coordinator to attend a group meeting. I always go, because it helps both me and the employees. We get a chance to meet each other before sitting down for our one-to-one meeting. To learn more about enrolling , register for the Benefits Counselor class at Propr > Training > Enrollment. I always take advantage of the working conditions Joe negotiates so our enrollments are successful! Group Meeting Video
Susie Benefits Counselor
How We Go to Market There are many tools and support materials that help me communicate with employees during the enrollment. My primary responsibility is to discover their personal needs and find benefit solutions for them. Three documents I may provide to employees are: The employee's Election Form, which the employee must sign. It's a deduction authorization form that outlines each selected benefit and the premium cost per deduction period. It also contains the necessary IRS Code Section 125 language, to keep the account in compliance. The Benefits Statement shows the employee's "Hidden Paycheck". It identifies what the employer contributes annually to the employee's total compensation package. When employees understand and appreciate all that the employer does for them, it helps drive down turnover and build loyalty. I provide this communication and education 1-to-1 Benefits Counseling Sessions I take pride in helping each employee understand and appreciate the benefits available at work. To communicate the value of their benefits, I use: Employee Election Forms Benefit Statements Salary Illustration at no direct cost to the employer. Joe always makes sure to position this service as he negotiates one-to-one working conditions where appropriate. I may also print each employee's Salary Illustration during the one-to-one meeting. It illustrates how an employee's benefit choices affect their net pay. It also shows the estimated tax savings if they choose to "pretax" their premium. Since all three of these documents contain sensitive private information, I never communicate any of this information to other employees or their co-workers. When all my one-to-one meetings are completed, my final responsibility is to audit paperwork and submit the business to the home office in a timely manner. 1-to-1 BENEFITS COUNSELING VIDEO Susie Benefits Counselor 1-to-1 Benefits Counseling Video
Wrapping up the Enrollment
How We Go to Market INSTRUCTOR NOTE: Be sure to discuss the importance of: Getting the deduction information to the Plan Administrator or Payroll Dept by deadline The use of Secure File Transfer Follow-up with the decision maker Being pro-active to discover billing issues early At the end of the enrollment, the coordinator and opener meet to ensure that employee choices (deductions for our voluntary products and/or the core product elections) are quickly communicated and delivered to the Plan Administrator/Payroll Dept by the pre-determined deadline. The deduction information that we give back to the account are the election forms and Harmony® data return reports. All Wrapping up the Enrollment Employee choices are quickly communicated and delivered to the Plan Administrator Election forms and Harmony® data return reports are delivered through Secure File Transfer or by hand, to provide a 'personal touch' Call to check on the first bill electronic data will be given to the PA through Secure File Transfer. However, we can hand deliver the election forms providing a "personal touch" to the account. Doing this creates an opportunity to gather feedback about the enrollment from the employer's perspective. It's also a great time for Joe to discuss how the enrollment went, and ask for a personal referral, if they're pleased with the enrollment results. Either Joe or I can call the Plan Administrator when they receive their first bill whether it's paper or electronic. We've found that being pro-active helps us discover billing issues early and set the stage for a positive long-term relationship. It's all a part of the excellent service our team provides, and that sets us apart from any other voluntary benefits carrier. Thanks for another successful enrollment!
How Do We Measure Success?
How We Go to Market We're not afraid to be graded. In fact, we provide post- enrollment surveys so employees can grade us on their enrollment experience and the quality of their benefits counselor – AND we provide those results to our customers. Accountability - its' always a huge part of our competitive advantage, and the value we bring everyday to working Americans. We also quantify how much better employees understand their benefits through our benefits counseling "report card". I use it to position why doing business with us and providing 1-to-1 working conditions – is a great idea based on what employees are saying. How Do We Measure Success? Post-enrollment surveys Benefits Counseling 'Report Card" Post-enrollment/benefits counselor survey LIMRA Customer satisfaction survey Harmony enrollment reporting Some great tools for positioning our dedication to quality assurance are: [click through bullets] Post-enrollment/benefits counselor survey. LIMRA Customer satisfaction survey. Harmony enrollment reporting. Hmmm. . . An overall employee satisfaction score of 94.0…I'd say our team delivered on this enrollment!
Coordinator Benefits Counselor Opener
How We Go to Market As we conclude, notice that we've come full circle. Our market distribution system doesn't end with post-enrollment. When we all do our jobs well, the cycle will continue – beginning again when Joe calls on the referral he received from the decision maker. That puts him back into the cycle and the process repeats. WELCOME CALL BCN CAN PED/CED Risk Rating Colonial Connect Account Activation Coordinator Call P.A. to set dates & times Gather data & build database Build enrollment guide "YES!" Paperwork: New Account Set-up Sheet Flex Supplemental Form Commission Set-up Sheet Section 125 App ER Contribution form – online- (if applicable) SET ENROLLMENT GOALS Create a common goal Educate employees to understand and appreciate employer benefits (get and keep good employees) Increase participation in CORE benefits ENROLLMENT METHODS Harmony® S.A.S. Paper Apps WORKING CONDITIONS Meetings – Group, 1-to-1 Internet connectivity Time to meet with employees Room, table, chairs, electrical power and privacy Data – Census Benefits Counselor Attend/conduct group meetings Prepare for the enrollment Conduct the 1-to-1 enrollment Audit paperwork and submit business ENROLLMENT TYPES (15 mins) Colonial Life only (30 mins) Core Communication and Colonial Life (45 mins) Core Enrollment and Colonial Life BENEFITS COMMUNICATION Benefit Statement Salary Illustration Election Form DECISION MAKER PRESENTATION "20 Minute Appt" Introductions Discovery Colonial Life Advantage Next Steps Value Added Opener GATHER LEADS Reference USA People you know Past Relationships Referrals Networking Business Association Brokers POST ENROLLMENT Deliver Election Forms to Plan Administrator Call Plan Administrator when 1st bill is received CALL TO SET THE APPOINTMENT
Lesson Quiz The Opener does not: Gather leads Phone prospect
Correct answer: #3 – the opener does not build the account in Harmony. The Opener does not: Gather leads Phone prospect Build the account Make decision maker presentations All of the above
Lesson Quiz Correct Answer: #3- All new account paperwork is completed, signed and faxed in to the New Account Set-up department, the welcome call with the account representative is completed. What must be completed to ensure the shell is created in the Harmony system? The welcome call must be completed The New Account Information Form and the Commission Account Set-up form is signed All New Account paperwork is completed, signed and faxed in to the New Account Set-up department, the welcome call with the account representative is completed
Lesson Quiz The Coordinator is responsible for
Correct Answer: #5. All of the above The Coordinator is responsible for Verifying account information Creating the enrollment guide Scheduling the benefits counselors who will enroll the account Post-enrollment reporting All of the above None of the above
Lesson Quiz What is the benefit of setting enrollment goals?
Correct Answers: #6 1,4 What is the benefit of setting enrollment goals? Gives the entire enrollment team direction and focus Shows the agents how much money they can earn Helps the benefit counselor enroll products Is a great reason to stop by the decision maker's office after the enrollment and ask for a referral 2 and 3 1 and 4
Lesson Quiz Who submits business to the Home Office? The opener
Correct Answer #3. The Benefits Counselor Who submits business to the Home Office? The opener The coordinator The benefits counselor Your neighbor
Lesson Quiz Who should conduct the Group Meeting?
Correct answer # 5 the situation is the boss and it may be different for each account. Who should conduct the Group Meeting? The opener, because it is their account The coordinator, they have detailed knowledge of the benefits being offered The benefits counselor, they will be the ones to conduct the One to One meetings with the employees The whole enrollment team The situation is the boss and it may be different for each account
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