The Siuslaw news. (Florence, Lane County, Or.) 1960-current, December 09, 2017, SATURDAY EDITION, Image 21

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The Siuslaw news., December 09, 2017, SATURDAY EDITION, Page 9B, Image 21

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Newspaper Page TextSATURDAY, DECEMBER 9, 2017 ❚ SIUSLAW NEWS Common Small Business Health Insurance Misconceptions (NAPSA)—Running a small business is challenging enough without the confusion health insurance can cause. Too often, the resulting angst is driven by common mis- conceptions that an experienced benefi ts advisor can help dispel. Health insurance continues to be one of the most important and valued benefi ts that employers can offer workers. After salary, it is consistently the top factor for attracting and retaining talent, according to numerous employee benefi t studies by Glassdoor and others. This is the case whether a company has two employees or 2,000. Navigating the employer-sponsored benefi t landscape, however, can be especial- ly daunting for small businesses. Cost and compliance considerations alone can seem impenetrable. But these perceptions are frequently rooted in fallacy rather than fact, said Ron Goldstein, president and CEO of CHOICE Administrators, the nation’s leader in devel- oping and administering employee-choice health benefi t programs and exchanges for small employer groups. The company’s exchanges include the country’s fi rst and only multicarrier private exchange, Califor- niaChoice. Goldstein cites three of the most fre- quent misperceptions amongst small busi- nesses as follows: • It’s too expensive. While there are certainly costs involved with offering health insurance, providing coverage options does not mean a company has to break the pro- verbial bank. “As with any operational expense, the fi rst order of business is to establish a bud- get,” said Goldstein. “An agent can then work with their client on what is most appropriate and affordable for their needs.” One example is using a tool such as de- fi ned contribution. This is where a business provides each employee with a fi xed dollar amount they then can choose how to spend. Workers can select from a set of health plan choices and pay the difference not covered by the employer’s contribution. So if they want to spend additionally for a more bene- fi ts-rich plan, they can. In turn, a company is able to lock in costs. This provides budget controls that can be planned and managed monthly and annu- ally. • It won’t meet everyone’s needs. Small businesses can fi nd and offer health plan so- lutions that meet the diverse needs of their workforce, and professional agents can help point the way. Well-designed health care exchanges, for instance, can be a great option for of- New systems and technology can make it easier for small businesses to provide qual- ity health care. fering a wide selection of health insurance plans that ensure choice and access to care for employees who most likely need very different coverage. A 22-year-old just start- ing her fi rst job will likely want a different plan than a 59-year-old sales manager with a spouse, three children and plans to retire in the near future. A good exchange, then, can offer mul- tiple health insurance plans within a single package. So regardless of which options em- ployees select, businesses get one monthly itemized bill and can manage overall ben- efi t offerings through a single website and online portal, all with the support and guid- ance from their broker or benefi ts advisor. • It’s too complicated. The industry might be complex, but offering health in- surance does not have to be overly diffi cult for a small business because there are re- sources and experts available to shoulder the details. “There are many products and platforms that simplify administration by consolidat- ing information and processes into easy- to-use automated systems,” said Goldstein. He added that many carriers and providers have in fact already moved to implement some form of online enrollment. This helps streamline processing and speeds up un- derwriting. But it also provides one point of entry from where employers and employees can then move on to review and compare options, choose and enroll in a plan, and manage their benefi ts throughout the year. While health care can be mystifying, small businesses need not fall prey to misin- formation and myths. There are options that can be affordable, offer a variety of choices and are relatively easy to manage, especially with the assistance of a good broker or ben- efi ts professional. For additional informa- tion, visit www.mycalchoice.com or www. calchoice.com. (NAPS)—Energy ef- ﬁ ciency experts at the U.S. Environmental Protection Agency predict bright, ef- ﬁ cient, energy- and mon- ey-saving LED bulbs will become the dominant light bulb technology within the next three years. More bright ideas about lighting and sav- ing are at www.energystar. gov/bulbrevolution. One medium Califor- nia sweet potato has more than 80 nutrients yet only 105 calories and 0g fat or cholesterol. They’re widely available and ready to add both ﬂ avor and superfood nutrition to all your favorite recipes. For recipe ideas and further information, visit www.casweetpotatoes.com. Felix Jams are made of simple, pure ingredients: wild handpicked berries, pure sugar and fresh water in a time-tested recipe. It’s the most popular lingon- berry jam in Sweden and the U.S.A. For recipes and more information, visit http://felix- jams.com. U.S. lobbyists are re- portedly taking money from the “Bulgarian Bernie Madoff,” Tzvetan Vassilev, to invoke the Magnitsky Act against his chief prosecutor. Invisible bacteria in your intestine keep you healthy— if you help them. Many peo- ple supplement their original microorganisms with those in probiotic products such as Greens First Daily Care cap- sules, which are triple pro- tected so you get the most benefi t from each. Learn more at https://greensfi rst. com/product-details/daily- care. Blue Circle Foods of- fers responsibly farmed and fi shed seafood you can trust. Blue Circle Foods products are 100 percent traceable; free of GMOs, added hor- mones and antibiotics; and are sourced using fair labor practices. For recipes, tips and more, visit www.bluecir- clefoods.com. 999 ܂ PUBLIC NOTICE 999 ܂ PUBLIC NOTICE 990 ܂ STATEWIDE CLASSIFIEDS IN THE CIRCUIT COURT OF THE STATE OF OREGON IN AND FOR THE COUNTY OF LANE, THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE (CWALT 2005-77T1), Plaintiff v. PA- MELA K. STATON AKA PAMELA KATHLEEN STATON; GERALD HEBARD; PAULA HEBARD; REAL TIME SOLUTIONS, INC.; and all other persons, parties, or occupants unknown claiming any legal or equitable right, title, estate, lien, or interest in the real property described in the complaint herein, adverse to Plaintiff`s title, or any cloud on Plaintiff`s title to the Property, Defendants. Case No. 17CV12880 SUMMONS BY PUBLICA- TION TO THE DEFENDANT: PAMELA K. STATON AKA PAMELA KATH- LEEN STATON: In the name of the State of Oregon, you are hereby required to appear and defend the complaint ﬁ led against you in the above entitled Court within thirty (30) days from the date of the ﬁ rst publication of this summons. The date of ﬁ rst publication in this matter is November 18, 2017. If you fail timely to appear and answer, for want there- of, plaintiff(s) will apply to the court for relief demanded in the complaint. This is a judicial foreclosure of a deed of trust in which the plaintiff requests that the plaintiff be allowed to foreclose your interest in the following described real prop- erty: A parcel of land in the Southeast one-quarter of Section 27, Township 15 South, Range 12 West of the Williamette Meridian, described as follows: BEGINNING at a point on the Westerly right-of-way of U.S. Highway No. 101, said point bears North 811.65 feet, West 1440.78 feet, and North 2 degrees 47’ West, 234.20 feet from the Southeast corner of said Section 27; thence North 2 de- grees 47’ West 175.00 feet; thence South 71 degrees 27’21” West 373.81 feet; thence South 2 degrees 47’ East, 86.76 feet; thence North 85 degrees 06’ East, 360.00 feet to the point of beginning, all in Lane County, Oregon Commonly known as: 95330 HWY 101 S, YACHATS, OREGON 97498. NOTICE TO THE DEFENDANT: READ THESE PAPERS CAREFULLY! You must “appear” to protect your rights in this matter. To “appear” you must ﬁ le with the court a legal paper called a “motion” or “reply.” The “motion” or “reply” must be given to the court clerk or administrator within 30 days along with the required ﬁ ling fee. It must be in proper form and have proof of service on the defendant’s attorney or, if the defendant does not have an attorney, proof of service on the defendant. If you have questions, you should see an at- torney immediately. If you need help in ﬁ nding an attorney, you may call the Oregon State Bar’s Lawyer Referral Service at (503) 684-3763 or toll-free in Oregon at (800) 452-7636. The Oregon State Bar`s web address is http://www.osbar. org. This summons is issued pursuant to ORCP 7. Malcolm • Cisneros, A Law Corporation, Nathan F. 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Wednesday and Saturday in the Siuslaw News D-040 D-077 BLINDS / INTERIOR ELECTRICAL D-182 For What’s Bugging You Free cordless upgrade on shades (offer thru Dec. 31, 2017) Environmentally Responsible Free Inspections Blinds • Shades • Draperies • Shutters We Design ~ We Install 541-997-4027 Residential • Commercial • 30 Years Experience CCB#212734 D-070 PEST CONTROL 541-991-3405 CCB#79884 CONSTRUCTION/CONTRACTORS D-222 REAL ESTATE Lynnette Wikstrom – Broker (541) 999-0786 Living in the Florence area since 1979. COAST REAL ESTATE D-085 DEQ#37263 CB# 91052 D-266 WINDOWS Yes! WE DO WINDOWS! Window Cleaning P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652 P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439 CCB#167683 LEISURE EXCAVATING INC. 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