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kbrooks — Mon, 05 Dec 2011 20:41:06 +0000

Recently, Tom Johnson was asked to "weigh-in" on succession planning at cemeteries. 1. Why is exit planning for cemetery owners important? Succession planning for cemetery owners may be more important than any other type of business for one simple reason; you have a deleting resource. Once a cemetery is full there is nothing to transfer or sell. The only remaining issue is the liability of maintaining the property into perpetuity. Hence the importance of looking at your cemetery and understanding the current and future inventory needs. A Masterplan is essential for this reason. 2. What are some of the problems that cemetery owners might face when planning an exit for their business? The biggest problem is answered in the first question. That is, making sure you have adequate inventory now and in the future so there is value to the enterprise. Most buyers get wary of any property with a future less than forty years. If you have less than ten years, it may be impossible Assuming that inventory is not a problem, the next major issue we see is deferred maintenance. This is primarily true with roads, curbs, lawns, statuary, mausoleums, equipment, fountains, fencing, marker, sunken graves, etc. There are more. Any of these issues would be a deduction to value and in mass may eliminate even the bullish of buyers. Lastly, by its nature, the location of a cemetery never changes. But, the neighborhood around a cemetery certainly can. Changing demographics can drastically affect the value of a cemetery. Owners needs to prepare for these types of changes as clients may very. 3. What are some important tips that you can share with cemetery owners on cemetery succession and cemetery planning? Have a master plan for your cemetery. As basic as this step is, there are many cemeteries that do not have one. You must know and stay abreast of your inventory at all times. It is your most valuable asset. A good master plan will give you the information you need. Have a business plan for your cemetery. I would do it strategically (5 years or more) and also tactically (1 to 2 years). Look at your trends, keep the good ones and fix your problems. Perform a SWOT analysis. Look at your Strengths, Weaknesses, Opportunities, and Threats. You can do it yourself, but it is not a bad idea to have an outside company take a look from time to time. Operate with an annual budget. Many operations do not budget, but with our changing consumer it will become more and more important in the future. Don't take a chance with your cemetery. Create an operation plan and make the financial commitment to that plan by preparing a budget. If remaining inventory is an issue at your cemetery, address it now. If it can be expanded, do so if the demographics warrant such an expansion. If it can't be fixed, call a doctor as it won't be too long before you start feeling ill. Lastly, I would say one of the biggest negatives, if a cemetery hasn't planned for it, is a good accounting system. Be sure you have GOOD reconciled accounting records. This is important for funeral homes and cemeteries alike, but REALLY has a negative impact on cemeteries when this is lacking. Break out AtNeed Sales, break out PreNeed sales (cash received) break out AtNeed and PreNeed receivables, have a good aging report, make sure you have good detail in all of the different types of sales in the preneed sales volume reports as well. (Have sale volume reports handy) have a good tracking of liabilities to be delivered (merchandise and service) and the relevant liabilities, etc

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kbrooks — Mon, 05 Dec 2011 20:20:13 +0000

The subject of this article is most interesting for a couple of reasons; one, most funeral directors do little strategic planning and, two, even less prepare an annual budget. I have spoke about this subject for many years but see little progress. The typical modus operandi for most independent operations is to keep things just the way they are. It's worked in the past to some degree. However, it probably will not work in the future. Why? The consumer is continuing to change. We are now beginning to serve the "baby boomers' who, by and large, see less value in the funeral than their parents and grandparents. Many are opting for cremation and those that still desire a funeral with burial are opting for less expensive options. My biggest fear is that if this continues to broaden, the children of the "baby boomers" may truly catapult this trend in a more negative trend for funeral directors around the country. So what do you do? The answer is twofold. One, every funeral director around the country must do the very best they can in providing excellent service to the families they serve. In the words of Alan Wolfelt "create meaningful funeral experiences." Those funeral directors who are practicing this type of service are more than likely going to see the return of the family just serviced. Those who just do the regular funerals of the past stand the chance of losing that family forever. The second piece of the puzzle is that we all must become better business people. That includes the strategic planning and budgeting topics. So what is meant by the words "strategic planning?" There are many formal ways to do this type of planning which you can find in a variety of books. However, I have found that the more simple you make the task, the more likely you will get it done. So here is a process that I have used when performing strategy sessions for the many funeral homes I have owned in the past. Hopefully it can work for funeral directors who are about to embark on their own strategic plan. First you need to remember that there are basically two types of planning, strategic and tactical. The strategic process looks at a longer horizon, five years or more. What would you like to see your company look like in years to come? The Tactical plan is the more immediate future of the company, a one or two year focus. As I believe the nature of this article was to assist funeral directors in the strategy of planning in general, I will focus more on the short term piece of the puzzle. The steps are pretty basic. You need to look at all facets of your operation; levels of service, pricing, merchandising, competition, market share, preneed, cremation, demographics, etc. as well as all the financial components of your business, including but not limited to, average sale per type of service, cost of goods sold, labor costs, facility costs, funeral costs, advertising, promotion, accounts receivable, etc. List all of these items in a formal document, as well as anything else you want to consider, and ask yourself the following questions per listed item. Where have we been in the past? Where are we presently? Where do we want to go in the future? How will we get there? Make a commitment to follow through Review your plan on a regular basis It basically asks you to do a SWOT analysis of your company. That being, take a look at your Strengths, your Weaknesses, your Opportunities and your Threats. Although this sounds rather simple to sit down with your key personnel and go through this process, it takes time and energy to do so. However, once the task is completed, you now have a roadmap for your upcoming year. The hardest part that I have seen for those new to the process is the commitment stage. They go through the exercise of reviewing their firm in detail and put together their plan. However, once things get a little hectic back at the ranch, they put the plan in a file and just do things the way they always have. So where does the budget process fit in? It is basically the financial commitment to achieve your plan. It is a proven fact that businesses that plan and budget do better than those who do not. That is why I am puzzled by the fact that there is so little of this process in funeral service. Regardless, you need to do an annual budget to assure that you can support the plan that you have put together. It should be completed line item by line item in your financial statement. All the costs and all the revenue producing items. Per item, look at where you have been, where you are, where you are headed, make your adjustments for the future and commit the result to your budget. Once completed, you now have the operational plan and the financial plan for your upcoming year. The final step is to then review your plan on a regular basis. I would suggest you have a formal review every 3 months, but be sure to take a look at the end of each month for anything that is peculiar. Don't be rash in adjusting your plan if things get off to a slow start. That can happen in funeral service as we all know. At the same time don't be slow to react if an adjustment is needed. Remember that those companies that plan and budget, no matter how large or small, will do better than those that do not. Therefore it is only logical that you should plan and budget. Yet so many times the Scarlet O'Hara syndrome seems to take place. That is "I'll worry about that tomorrow." Well tomorrow is here. The service and financial landscapes of our profession are being challenged. Become a better business person. It is a great time to do your planning now for 2012. Your future depends on it.

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kbrooks — Mon, 05 Dec 2011 19:32:55 +0000

Tom Johnson was recently asked to "weigh-in" on the below trends. Cremation- I think everyone will agree that the cremation rate will continue to increase. But I also think the number of cremations with some sort of service will also increase. That's good news! Many funeral directors around the country are getting better each day in the handling of a cremation family. All funeral directors who handle cremations need to continually improve in this area. Most suppliers and consultants in this business are also willing to assist. Caskets- There has been a lot said in the past few years about Chinese caskets and other alternative supply in our industry. In fact, this caught on rather quickly in some areas but has basically not grown in the past year or so. That being the case how do you buy caskets in the future? My thought is to get with our suppliers and certainly drive the best deal that you can. But the major focus should get back to the value of not only the product you will get but the service that company will provide. Redefine your merchandising plan. Be sure that your employees know the differences of one particular casket over another throughout your entire display. We have gotten away from this practice in my opinion yet families should know the difference in the products they are purchasing. All employees who go into the showroom should be well versed in your merchandising scheme. This gets even more important as less and less families are choosing caskets now days. When you get a family that wants to purchase one, don't take any chances. Service- There is a tendency of today's consumer to see less and less value of a funeral service. This has been going on since I joined the profession in 1976. The recent problems in the economy only exacerbated this issue. We all need to get proactive in this regards and assist families in having a "Meaningful Funeral Experience." I coin this phrase from the work of Alan Wolfelt and urge everyone to get a copy of his articles. He is right on point. Give our clients more than they expect. Pricing- Prices will continue to be pressured at all levels. For years, many experts have been saying that funeral directors should lower their price on caskets and enhance their service pricing where the true cost lies. Some FD's have made this transition and most of those that have are finding increased revenues in the process. It also lessens the dependence as to which casket is purchased by a family. I own three funeral homes, and we have moved to this strategy a few years back. The results were very positive and have supported our clients that have desired this move. Business People - With the trend that is currently taking place in our profession, it becomes more and more important to become a better business person as it relates to the running of your funeral homes. What does this mean? Put together an annual plan (in writing). Get your key people involved in the process. Support that plan with a budget that makes the financial commitment to achieve the plan and then monitor on a regular basis. Too many companies do not do this. It is a proven fact that companies that plan do better than companies that do not. If that is the case, shouldn't we all do this? Accounting- As part of being a better business person it is critical that you have better financial information. Too many funeral directors still do their accounting so that they can get a tax return at year end. That will not get it done in the future. You need to get meaningful financial information on a monthly basis which should tie into the budget that you put together as part of your plan. I can't tell you how important this is, but I know there will be many that read this that will end up doing nothing. What a shame!

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kbrooks — Mon, 05 Dec 2011 19:06:04 +0000

Perhaps it is time for a "wake-up" call!" There is an undeniable truth that more and more people are saying things like: "When I die, just get rid of me...no muss, no fuss. Maybe you can throw a party, but I sure don't want a funeral!" I believe it is time for those of you committed to the future of funeral service to firmly choose your course - or the relentless drift of events will make decisions for you. How many families have walked through your doors in recent years requesting not a funeral, but a "celebration" or a "party?" Quite a few, if the conversations I regularly have with my friends in funeral service are any indication. Of even more concern, do you think your helping role is to create one of these two options for families? While it is tempting to think your job is to create a celebration or a party when that is what is being requested, I would urge all of us to pause for a moment and consider what's best for families served. We are witnessing, and I suggest even colluding with a powerful trend of movement toward celebrations and parties and away from meaningful funeral experiences. While you may not be consciously participating in this trend, you are at risk for unknowingly collaborating with a culture that is trying to go around their grief instead of through their grief. The difference between "fun parties" and meaningful experiences With such jam-packed, fast-paced lives, people have become accustomed to paying for experiences that they have neither the know-how nor the time to create for themselves. Today, many people are willing to pay someone to provide all aspects of an event. We now have party and wedding planners to take care of the details for finding the venue, sending out invitations, arranging the food and music, setting the mood, decorating, and managing the flow of events. These events are expected to not only entertain, but to delight our five senses as well. Inherent in this trend is the relatively recent emphasis we 20th and 21st century generations place on fun. Not that many decades ago, leisure time was unheard of - or at best the rare privilege of the monied class. Most of humanity spent day in and day out struggling to provide themselves with food, water, and shelter. Today, thanks to industrialization, medical advancements, and better education, many of us have a number of hours each day to relax and have fun. And instead of constantly worrying about where our next meal and month's rent are coming from, we have the discretionary income to pay large admission prices to be swept away in a fantasy of water delights, rides, and shows of amazing feats. I darsay that we as a North American culture have become confused. Many of us now believe that having fun, feeling joy (and surprise), and being entertained are what having an experience is all about. And regretfully, we've transferred this idea onto funerals. To borrow a phrase from the musical group R.E.M., we "shiny, happy people" have forgotten that the purpose of a funeral is to mourn, to actively and outwardly embrace the death of someone we love. We have confused honoring with celebration and celebration with partying. While the Latin word for celebrate is "celebrate" or "to honor," the colloquial definition, according to Webster's New World Dictionary, is to "have a good time." Yet deep down, our true intentions when someone loved dies are to honor him or her, not to have a good time. This is where the confusion lies. Furthermore, Webster defines party as "a gathering for social entertainment." If asked flat out if that is what they want for the funeral, most family members will say no. Therefore, when we simply go along with a family's initial request to create a celebration for the person who died, we are not giving them what they truly, deep-down, want and need. A party...where the guest of honor is missing? With the trend towards funeral celebrations or parties has come an avoidance of the person who died altogether, which explains to some extent the growing popularity of cremation. Many people now say, "I'll just remember them the way they were when they were alive." As Thomas G. Long observed in a recent New York Times article, "...as a society, Americans are no longer sure what to do with their dead...Today, our death rituals have become downsized, inwardly directed, static and, as a result, spiritually and culturally impoverished...at upbeat celebrations of life...the dead...are usually nowhere to be seen. For the first time in history, the actual presence of the dead at their own funerals has become optional, even undesirable, lest the body break the illusion of a cloudless celebration." The tragedy is that often no one helps the family understand that seeing someone dead does not typically become, as they fear it will, their lasting "memory picture." In contrast, it is in seeing someone dead that we truly begin to acknowledge the death and appropriately shift the relationship to one of memory. Seeing the dead body of someone we have loved is often the beginning of a more essential, active grief process. It's the saying of hello on the pathway to goodbye. Yes, meaningful funerals are painful What reinforces this desire for fun, entertainment, and celebration is that mourning is painful, and not something people readily sign up to do. There's a perception that it is easier and better to celebrate than to express the emotions of sadness and hurt. As our society has become increasingly "mourning-avoidant," we have seen this shift toward celebrations. (Sadly, many funeral directors as well as clergy have unknowingly furthered this trend.) Celebrations play well into the idea that people need to be strong and get over it quickly. There's no time to grieve or mourn; rather, families hear such messages as "Carry on," Keep your chin up," "They're in a better place," and "You just need to let go." Celebrations often deny the authentic suffering of the soul, whereas authentic funerals invite an encounter with the mystery. In their attempt to celebrate, families miss the ancient and still essential purpose of funerals, which is to create an invitation to mourn openly and honestly. Historically, funerals honored the need for downward movement-going through grief rather than around it. Authentic mourning demands that we slow down, befriend dark emotions, and seek and accept support. Doing so helps place the loss in a larger, transcendent realm of meaning. Obviously, some people in funeral service have either never learned or have forgotten the WHY of a meaningful funeral. While families may be tempted to make swift, clean breaks from their loss, it does not ultimately service them. When people do not feel their feelings, they become unable to be changed by them. Instead of experiencing movement through their loss, they become stuck. They experience chronic grief that affects all other areas of their lives, sometimes resulting in depression, anxiety, disconnection from others, substance abuse, and fatigue. This "carried grief" results in a muting of one's spirit, or "divine spark." The more people try to "party" in the face of loss, the more they end up grieving and not mourning. Grief is an internal response to loss, where mourning is an outward expression of grief, a shared, social response to loss. The major purpose of a meaningful ceremony is to begin to convert grief into mourning in the loving and supportive company of others who share our grief. In the movement of mourning, grief has the opportunity to be felt, embraced, and healed. A blend of laughter and sadness...and all the other authentic emotions of grief Of course, this is not to say that a meaningful funeral should be totally devoid of celebration and laughter. As you know, funny anecdotes about the person who died and jokes delivered during the eulogy are often a welcome and necessary part of the experience. When someone loved dies, we feel many feelings, including the bittersweet joy of reliving favorite memories. Sharing those memories is part of the journey too - one that gives us moments of relief even as we dose ourselves with the necessary sadness. I also do not mean to downplay the necessity of providing a full funeral experience for the families you serve. In my book Funeral Home Customer Service A-Z, I discuss at length the importance of creating a full-blown experience - not just a perfunctory ceremony. I believe as much as ever that a rich, highly personalized funeral experience has the power to help families profoundly embrace their grief and set the stage for the transformative healing journey to come. What I am emphasizing here is the increasingly essential need to differentiate between funeral experiences that encourage the full range of emotions, from deep sadness to moments of levity, and experiences that families today are calling "parties." Many of these so-called "parties" are intentionally designed to merely skim the surface of our sadness - or ignore it altogether - and instead to focus on the thinking of happy thoughts. Recently a distraught woman came to see me who had been intentionally excluded from the "funeral party" her family was planning for her favorite uncle. As they explained to her, they knew she was close to him and would cry at the funeral; therefore, she would not be allowed to attend. People crave the why So, let's save parties for those events where celebration and fun are supposed to occur-such milestones and transitions as birthdays, weddings, graduations and baby showers. Instead, let's give families what they deeply need - a meaningful ceremony where the person who dies is not only celebrated, but mourned and loved. By all means, create an experience for your families; just make sure the person who dies and the true, full range of feelings that have resulted from the death are at the center. Create an opportunity for families to recognize and embrace all their feelings around their loss. In doing so, you will have truly honored the culmination of life, and the ultimate transition of a death, for the families you are privileged to service. What's more, it's good business to truly serve families in this manner. While they may walk through your doors requesting a "celebration" or "party," if you are willing to dig deep and mentor them in the planning of a truly meaningful, personalized funeral experience, they will walk out your doors profoundly moved and satisfied. As author Simon Sinek has observed, "People don't buy what you do, they buy why you do it." If your funeral home's why is to create meaningful funeral experiences for families, your community will see that as a differentiator and seek you out as the provider of such truly transformative experiences. Over time, the families you serve will become educated about the true value of funerals and appreciate the gift you have given them. They will tell everyone they know what a wonderful funeral - not a celebration or party - you helped them create. Lots of people can plan a good party, but only funeral directors have the experience and the understanding to plan a meaningful funeral experience. In doing so, you may just help save your own vocation, which is at risk for becoming extinct. Visit Alan Wolfelt's website at www.centerforloss.com

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kbrooks — Mon, 05 Dec 2011 18:06:35 +0000

The last several years were a tough time to try to sell a funeral home. Values were depressed and then the credit market collapsed, so would-be buyers couldn't obtain financing for a purchase. Now, however, I'm seeing more acquisition activity. For those of you thinking of selling, I have the following suggestions and observations... While it's fine to let potential buyers know that you want to sell, be careful not to say or do anything which might lead someone to believe that they will be entitled to a finder's fee or commission if they match you with a buyer. I'm speaking of a casual business acquaintance or a supplier representative, for example. You may, in fact, want to engage the services of a broker to market your business and help you through the sale process, but be sure you understand what they will do for you and what their fee or commission will be before you sign a contract or engagement letter. If you choose to use a broker I strongly suggest you use one which specializes in the funeral industry. A general business broker won't have the knowledge and expertise to justify their fee, whereas a good specialist will be able to market your firm effectively and get you the best price for your business. At the very beginning of the process, talk to your CPA and get an understanding of the most tax-efficient way to structure a sale and what the tax implications will be. In addition to the purchase price for the assets or stock, remember that you will also most likely receive payments for a covenant not to compete and for a consulting or employment agreement. If you own the real property on which your business is located, consider whether you should sell or lease the real property. You should also hire an attorney, ideally before you sign a letter of intent. While it may sound self-serving, you will save time and money if you use an attorney who is familiar with the funeral industry and has handled other funeral home sale transactions. At the very least, hire an attorney who is experienced with business sales; this isn't the time to use the divorce attorney in your Rotary Club. Have realistic expectations. For the most part, the high prices paid in the past are not being paid today. Factors such as being in a highly competitive marketplace and doing a high percentage of cremations will also lead to lower offers. If you own the real property on which the business is conducted and intend to include it in the sale, bear in mind that a buyer can't afford to pay you the "highest and best use" value of the real property and also pay top dollar for your business. This is because from the buyer's perspective, the income generated by the business has to be able to essentially pay back the purchase price. Thus, you might be better off to lease the real property for a period of years, but give the buyer and option to buy it at a later date for fair market value. Finally, if at all possible don't wait to sell until you're desperate from burn-out, ill health or financial pressure. Selling under such circumstances is usually very stressful, and seldom results in obtaining the best price possible.

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kbrooks — Fri, 28 Jan 2011 22:33:06 +0000

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Listen and truly hear what the employees are saying

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Nodding – A simple nod lets the employee know you are listening.

Casual Remarks – Every once in a while, provide short feedback remarks.

The Pause – This is a moment of silence. Remain quiet and let the employee continue the conversation.

The Echo – Echo back the last comment from the employee.

The Mirror – Reflect back the actual ideas/feelings conveyed by the employee.

Hearing What Is Not Said – Look past what the employee is saying in an attempt to perceive their tone and body language.

Feedback is an important part of coaching

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Describe the Situation

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To start the coaching process, managers should consider the following five stages:

Establish a relationship with the employee – Managers should make every effort to understand the strengths and weaknesses of their employees.

Opportunity – The opportunities for coaching are numerous and never-ending. Regularly review each member of your staff in order to identify coaching opportunities.

Observe and assess the employee – What may not seem important under the most normal circumstances becomes paramount once coaching begins.

Enroll the employee in coaching – Enrollment goes beyond simply asking “are you up for the challenge?” Confirm both verbally and in writing that the employee is engaged in the coaching process.

Coaching Conversation – The manger should spend most of the coaching conversation listening and encouraging the employee to develop the improvement plan.

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kbrooks — Fri, 28 Jan 2011 22:29:19 +0000

How to Provide Value-Added Service & Generate Revenue Buy Modafinil Without Prescription, The professional goal of death-care is to provide comprehensive and compassionate customer service to those in your community who call upon you in the darkest moments of their lives; the business goal of death-care is to generate revenue. These two diverse goals are not mutually exclusive. You or someone on your staff may well remember the days when it was simply enough to provide ample parking, an air-conditioned facility and up-to-date livery equipment.

Many people think that being ‘successful’ in building an Internet presence for their funeral home is a difficult task to undertake, but regardless of your knowledge of technology and the Internet, I’m here to tell you that it’s not as hard as you think. Modafinil gel, ointment, cream, pill, spray, continuous-release, extended-release, In recent years, tech-based products that improve the quality of your service have been introduced to the death-care profession and have helped improve the way you serve your families and conduct your business. For instance, is Modafinil addictive, Buy no prescription Modafinil online, consider your capacity to print personalized service items like register books and prayer cards or to create multi-media DVDs to be featured at visitations or services. Think of the many tools at your fingertips that facilitate the tasteful presentation and personalization of revenue-generating merchandise like caskets, urns, fast shipping Modafinil, Buy Modafinil without a prescription, vaults and related products. Technology in the funeral home is the undeniable link between providing exemplary service and running a successful business, Modafinil trusted pharmacy reviews. Modafinil description, Having technology at work for you through your website are crucial as your online image and reputation becomes equally as important as your direct relationship with the community you serve.

With the obituary section of the newspaper being the laggard classified section in the migration to the Internet, Modafinil photos, Online buying Modafinil hcl, there is opportunity for you to begin to leverage the online obituaries that you place as a way to help further your reach and brand across the Internet. The inherent limitations of the print obituary in telling the full story of a person’s life has opened the doors wide for alternative online offerings that provide a better means of preserving someone's memory and communicating obituary news to extended family and friends, while at the same time providing funeral homes with opportunities to generate new revenue streams and to develop new ways to market their businesses online.

Consider the enormous loss of revenue that newspapers have sustained as a direct result of the continued migration of paid print materials to the Internet, Buy Modafinil Without Prescription. This is clearly evidenced in the growing number of classified job ads, order Modafinil online overnight delivery no prescription, Modafinil maximum dosage, personal ads and for sale ads that are being posted online. In addition, newspapers nationwide are in fast decline as subscriptions are dropping at an every-increasing rate as more and more people are turning to the Internet for news, online buying Modafinil, Modafinil samples, entertainment and other information including obituaries. Due to this phenomenon and dwindling offline readership, Modafinil duration, Effects of Modafinil, newspapers have resorted to charging exorbitant and ever-increasing fees for the placement of the printed obituaries and/or death notices that they do publish. Undoubtedly you have witnessed this to at least some extent in your funeral home’s service area. Perhaps your clients are choosing to forgo spending their money on a brief print insertion that is available for only one-day, Modafinil from mexico. Modafinil blogs, With the trends in social networking showing that older demographics are now actively participating, with the 35+ age group experiencing triple digit growth each quarter on Facebook alone, Modafinil maximum dosage, Taking Modafinil, it is easy to see how tech-services (blogs, memorial websites, Modafinil samples, Modafinil australia, uk, us, usa, and online obituaries) are changing the way people grieve and experience the death of their loved ones. These digital destinations are quickly becoming the hub for family and friends – especially distant and extended family – to be involved in the support and grieving process. Many have some form of a guestbook for online condolences, Modafinil pharmacy, Is Modafinil addictive, support photos and video, and allow for the online purchase of sympathy items.

It is critical, japan, craiglist, ebay, overseas, paypal, About Modafinil, as these online trends continue to develop, that funeral homes are able to meet the growing demands of families for quality online products and that they retain a meaningful role in online memorialization. To ensure that the online obituary remains the digital hub where family and friends gather around the death of the loved one, Modafinil class, Buy cheap Modafinil no rx, the funeral home needs to be in position to provide and control that destination in a way that can also benefit their business; something that was never possible with the traditional print obituary. Enhanced online obituaries and tributes allow funeral homes to help families to create a special destination, Modafinil gel, ointment, cream, pill, spray, continuous-release, extended-release, Online buy Modafinil without a prescription, which preserves the rich stories of their loved ones lives in full multi-media – with unlimited copy, photos, Modafinil brand name, Modafinil results, music and video. And by virtue of the funeral home providing the family with that destination that they will undoubtedly repeatedly visit for days, weeks, no prescription Modafinil online, Order Modafinil online c.o.d, months – even years – to remember and celebrate the life of their loved one, the funeral home has created an opportunity to have a long-standing relationship with that family, Modafinil from canada. Modafinil alternatives, At the same time, the funeral home can leverage the enhanced obituary offerings that the Internet affords and the inherent virality of obituaries in general, purchase Modafinil online no prescription, Is Modafinil safe, that is magnified by the ease of pass along online, to generate new streams of revenue, cheap Modafinil no rx, Where can i buy cheapest Modafinil online, drive traffic to their websites, market their brands, Modafinil price, and promote their product and service offerings.

As a funeral home provider in a service business you should truly take the time to explore the market trends occurring in both obituary classifieds and social networking and how these things are coming together to create opportunities for you to continue to enhance your offerings while growing your business. Also, without having to invest millions of dollars into your website, take advantage of what may already be out there like Tributes.com, a media company that helps distribute the obituary, locally and nationally, while providing state-of-the art online memorialization offerings that leverage the latest Internet and social networking technologies. Tributes.com is helping funeral homes harness the power of the Internet and the online obituary for their families and their businesses.

For a FREE one-hour consultation on the opportunity around the online obituary please send an email to, John Heald, a Licensed Funeral Director and Owner, john@tributes.com or call 617.913.6122 to speak to him directly..

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Terbinafine For Sale, WHAT JUST HAPPENED. (OR CAN OPPORTUNITY KNOCK TWICE?)

Unless you are marooned on an island somewhere (or are an SEC football fan), fast shipping Terbinafine, My Terbinafine experience, you are probably aware that one of the most talked about consequences of the mid-term congressional elections was that Congress might extend the so-called “Bush Tax Cuts.” These rates were enacted early in President Bush’s first term, but with a provision that rates would automatically increase at the end of 2010. With the economy at a standstill, real brand Terbinafine online, Terbinafine forum, however, many feared that an increase in tax rates would further dampen growth, Terbinafine images. Kjøpe Terbinafine på nett, köpa Terbinafine online, On the other hand, it was pointed out that extending the lower rates, ordering Terbinafine online, Terbinafine schedule, even for a limited time, would also add to the deficit. After months of political inaction, Terbinafine used for, Doses Terbinafine work, a dramatic mid-term election and a special post-election session of Congress, the Unemployment Insurance Reauthorization and Job Creation Act of 2010 was passed and signed into law, Terbinafine cost, Buy Terbinafine without a prescription, extending the lower rates for another two years. As transaction advisors, we view this last minute extension as a tremendous incentive for every owner who thinks he may be ready to exit his business in the next few years, order Terbinafine online overnight delivery no prescription, Terbinafine steet value, to plan how to take advantage of these low rates. Just how much are these low rates worth to a business owner? In order to help owners understand the value of these low rates, we will calculate the growth your business would need in order to cover the additional taxes once the cuts eventually expire at the end of 2012, Terbinafine reviews. Rx free Terbinafine, Under present law, the top federal capital gains rate is at an all-time low of 15%. Those rates were set to automatically increase to 20% on January 1, order Terbinafine from mexican pharmacy, Buying Terbinafine online over the counter, 2011. With the extension passed by Congress, those rates will stay at 15% for another two years before increasing to 20% on January 1, where to buy Terbinafine, Buy cheap Terbinafine, 2013. In addition to the increase in the capital gains rate, a new 3.8% tax on investment income, Terbinafine for sale, Terbinafine without prescription, already enacted as part of the Health Care law, will go into effect in 2013. Both of these taxes will typically be levied on proceeds from the sale of a business, Terbinafine natural, Online buying Terbinafine, for an aggregate increase of 8.8% over current rates, effective on January 1, buy Terbinafine online no prescription, Terbinafine price, coupon, 2013. How much of your retirement nest egg will that tax increase erode? Put another way, how much will your business value need to appreciate between now and 2013 to provide the same after tax proceeds after January 1, buy generic Terbinafine, Terbinafine dose, 2013.

Breakeven

Sale 2010 2013 2013

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Annual growth in value 5.6%/ year

In other words, in order to have the same amount available for retirement after 2012, your business value will have to increase over 11%, or 5.6% annually for each of the next two years. Now, try to review what you know about the growth and value of your business and try to remember when it may have grown by over 5% annually for two years in a row. If you can remember such a growth rate, recall the economic and other conditions at the time and determine whether you see those factors in the next couple of years. Obviously, few funeral home owners will be able to realistically predict that sort of growth. Most owners we see are working harder than ever just to maintain what they have, and for those already considering a sale in the near term, it is critical that they understand what happens to their value at midnight on December 31, 2013. For those who plan ahead to take advantage of the extension of the low current rates, we predict it will be a very Happy New Year. For others, the added retirement value of years of work will evaporate instantly. Cheers.

This article does not constitute tax advice and no action should be taken based on the information provided without consulting a qualified tax advisor. D. Brooks Cowles, Jr., Esq. operates the Atlanta, GA office (404.262.4750) for Johnson Consulting Group headquartered in Scottsdale, AZ (888.250.7747). COPYRIGHT 2011..

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kbrooks — Fri, 28 Jan 2011 21:36:38 +0000

Klonopin For Sale, If we are to believe what I have been told recently, you probably are not reaching anything near your funeral home’s potential. (Profits)

According to a national accounting firm with 1500 funeral home clients, the profit margin (as a percentage of sales) of their clients has dropped from 14% in the 1980’s to less than 6% in 2008. Klonopin canada, mexico, india, That is a massive drop of more than 50% in profits.

It might seem reasonable for a drop in profits with cremation rates in that time frame going from 10% to over 30% in the Midwest. In addition, the public’s attitude about tradition is now markedly different than in the past, and the current economy certainly is not helping, Klonopin pics.

I recently asked several of my colleagues why they felt most funeral homes are failing to reach their profit potential. Most of the answers were not those listed above in the previous paragraph, but were reasons like “owners do not know their costs”, Order Klonopin online overnight delivery no prescription, “owners do not plan”, “owners guess at their pricing”, “owners base their pricing upon that of competitors”, “owners do not understand cost and pricing dynamics”. You get the idea, buy no prescription Klonopin online.

Incidentally, those colleagues of mine collectively have over 400 years of experience closely observing thousands of funeral home operations and the way in which most owners deal with the financial side of their business. In most cases, it is not a lack of some kind of accounting. And, with all the funeral software on the market, it is not a shortage of reports a manager can generate, Klonopin For Sale.

So, what is the problem causing low profits? In the past I have presented more than one hundred workshops on pricing and profits, Klonopin no rx, and when I asked my audience how many had calculated their cost of operation, it was never over 20%. If you do not know your cost of operation, then all you know is how much your casket and vaults cost, and, rx free Klonopin, therefore, you are guessing about the biggest (by far), Klonopin recreational, your operational cost (think “Overhead”), and, of course, you are guessing about profits.

We are not talking Rocket Science here, Klonopin used for, but we definitely are talking about the need to understand your business the same way your doctor understands the human body. A medical student begins with a human cadaver and learns about each and every muscle, organ, Fast shipping Klonopin, tendon, blood vessel, skin pigment, every single crack and crevice in the human body so that he, Klonopin forum, or she, will understand how each part interacts with the rest. Klonopin no prescription, The word UNDERSTANDING is the key operative word. Your financials are great for (1) tax preparation and (2) to give to your banker to support your Line of Credit, but they are not a management tool. Your funeral software generates zillions of reports, but what does your software tell you about operating costs and the level of income streams you need to coordinate to generate a level or profit that turns out a reasonable Return on Investment (Remember ROI?)

What you need to do is to marry the financials to your statistical reports. The have to act together, AND, where can i buy Klonopin online, You have to Understand the very bowels of your financial dynamics the same way a doctor understands your body.

You have to be able to take your business numbers apart down to the bare bones, Buy Klonopin online no prescription, and then put them back together so they will act in harmony, and that you are in complete control of what and how your profits are formed, and track progress each and every month to make sure your business is on the course you have planned.

Think about “Management Information vs, real brand Klonopin online. Financial Klonopin For Sale, Information” in this way. Your financials tell you that you have had hundreds of thousands of dollars in income, cost of goods, and operating expense. However, your business does not come through the door a hundred thousand dollars at a time; it happens “One Funeral At a Time”, and that is the form in which you need Management Information. Until you completely Understand everything about your business in terms of “One Funeral At a Time”, you will be guessing about how much profit you will have—can have—in your business.

Up to now we have talked in global and general terms, Next, Where can i buy cheapest Klonopin online, I am going to give you a list of your business dynamics, and each and every one demands that you understand what they are and how they all interact together so you are able to Plan and Attain Profit Margins of at Least Ten Percent Year in and Year Out.

The Basics of Funeral Business Planning

--Case Volume—For a complete understanding of this all-important element requires a minimum of five year’s history with each year a profile of a minimum of casketed adults full service, casketed adults graveside, full service with casket and cremation, discount Klonopin, visitation and funeral, no casket, Australia, uk, us, usa, cremation, direct cremation, appropriate segments of infants, children and indigents, japan, craiglist, ebay, overseas, paypal, vault yes or no. Also useful is application of appropriate statistical measures of averages, trends, Klonopin treatment, Recency weighted Averages, etc.

--Operating Expenses—including interest, discounts, taking Klonopin, supplies, all expenses except merchandise marked up for re-sale. Double check your Cost of Goods on your financials to make sure they very closely match the invoice wholesale costs of caskets, Buy cheap Klonopin, urns, clothing, markets. You need to display and match three years of operating expense history for trends, and make sure that your chart of accounts contains sufficient detail for an understanding of all expenses and where they are heading in your next business year, Klonopin price.

Adult Casket & Service Revenue—With most funeral operations outside of Sunshine states, adult casket funerals are still the cardinal source of income, Klonopin pictures, and a complete understanding of service charge make-up on the GPL, declination rates and deficiencies, casket selection pricing are all-important records that must be carefully gathered and analyzed/understood.

Other Revenue Sources—“Other” in this case refers to all revenue coming into your funeral business except the Adult Casketed Service. Granted, Klonopin long term, other types of services are gradually cutting into the adult casket services, but, Klonopin use, in most cases, it is still the primary source of revenue. With ‘other’ think ‘partial’, whether direct cremation, direct burial, memorial services, cremation with rental caskets, vaults, urns, markers, clothing, extra transportation, etc. It is necessary to identify how all of these will transpire in planning and how much revenue each needs to generate, Klonopin For Sale.

Adult Service Charge—The design and amount of this critical dynamic is so important that one could write page after page about not just the amount, but, buying Klonopin online over the counter, as an example, is it “Consumer Friendly”? As the Federal Trade Rule glides past its 25^th anniversary, Canada, mexico, india, many firms still, to this day, do not take advantage of the requirements of the mandated elements and the way in which it/they can be very friendly to both the consumer and your Bottom Line. Again, Klonopin price, coupon, think about the Understanding of the service charge, and how it can be a business partner to you and your firm. Comprar en línea Klonopin, comprar Klonopin baratos, Wholesale Casket Average—Unfortunately, the use of this particular term is usually misunderstood as a measurement for casket sales success for the casket manufacturer. To the contrary, it is both a measurement and base line that the funeral director needs to grasp, and is a central point in determining how “successful” your selection room is both to your customers and your bottom line. The wholesale casket average, Klonopin alternatives, along with your casket mark-up/multiple is one the central sources of revenue and projecting profits.

Casket Mark-Up/Multiple—It is the combination of the Wholesale Casket Average and the Casket Mark-Up (average) that determine the casket margin/gross profit. It is not the purpose here to talk high/low mark-up, Klonopin cost, but to emphasize that the funeral director owner who does not completely Understand the revenue symphony that is generated from the above combination is losing important revenues in large proportions. Klonopin For Sale, It is important to distinguish between casket pricing methods (varying mark-up from high to low), and the Recovery mark-up/multiple.

As an illustration of the above, in the 1980’s, I did a casket pricing analysis for one of the largest funeral firms in the country how—because of the mark-up formula recommended by his casket supplier—this famous company’s casket margin was less in the current year than in the previous even though his wholesale average was higher than last, is Klonopin addictive.

Profit Analysis/Profit Requirements—Return on Investment—ROI for short—is a relatively simple concept. Return on Investment says that if you have an investment of a million dollars, Online buy Klonopin without a prescription, whether in assets or goodwill, that you should be earning a return, and a return that also reflects the fact that in business there is a risk. This also means you must do some important calculations about the value of your business, how much you deserve in addition as your salary for running a successful business, generic Klonopin.

If you have never thought in these terms, now would be a good time. You might very well find that your return (in normal times) with a long term Certificate of Deposit would be better than what you have been bringing in. (And, of course, it should be much more than that)

Selection Room Analysis—This ties in directly with all the above comments on wholesale casket average and mark-up, PLUS, how consumer friendly your selection room process is. This analysis must especially address the communication process that takes place between the funeral director arranger and the client-family making arrangements for a loved one, Klonopin For Sale. What is Klonopin, If the Selection Room Philosophy is on target, and is successful, it is a communication process combining what the room conveys visually and what the message the arranger sends verbally. Operating in complete harmony, the two entities (what message the room design broadcasts visually, order Klonopin from United States pharmacy, and what the funeral director communicates in his or her verbal explanation) send an important message to the family, and the message results in a better casket selected for all the right reasons, Klonopin results, and also results in a higher level of family satisfaction.

With all that at stake, the design, the intent and the philosophy of the selection room must obviously be very carefully planned and executed, no prescription Klonopin online.

Profit Target---Setting and achieving the appropriate profit target for your firm requires very careful planning and understanding. You find the proper profit objective as a result of careful research that involves good solid understanding of the value of your firm along with an equal understanding of risk and return on investment. Once the Profit Target is selected with the combination of knowledge, understanding and complete conviction of the correct level, Klonopin natural, then achievement is the next step.

Pricing Specifications—It is necessary to reach a complete understanding of the dynamics of costs, trends, statistics, get Klonopin, and financial considerations to draw up a complete set of pricing specifications to achieve a worthy profit target. Each and every area of service and merchandise, along with the peculiarities of the customer must be carefully taken into consideration.

Consumer-friendly pricing, along with terms that completely eliminate the jargon only understood within the funeral profession, is absolutely mandatory for the ultimate in serving the customer: This will produce a justifiable level of profit with matching complete satisfaction of the customer---your client family.

Monitoring Progress---The Management Report—This is the complete tracking system, and you must be careful not to confuse it with any of the myriad of reports that can be generated with your off-the-shelf software. This may sound confusing, but it is really quite true. You need reporting and tracking systems that let you know at the end of each month if you are on target with your service charge recovery, your casket and vault averages.

Finally, if you will diligently pursue exhaustive research in the basics above, you will be glad and happy to answer the question, “How is YOUR Bottom Line?” I can guarantee that if you will immerse yourself in analyzing your funeral business, your financial statements, all your statistical elements, you will be very pleasantly surprised at the number of “Aha Moments” you will have and the insight you will gain. It is the UNDERSTANDING you will gain that will put you in charge of the Bottom Line of your funeral business, increasing both your profits as well as the satisfaction of your families and your staff as well.

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Senate passes small-business bill

South Florida Business Journal - by Kent Hoover Washington Bureau Chief

The Senate on Thursday passed legislation that aims to increase lending to small businesses and provide them with $12 billion in targeted tax breaks.

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The House passed a different version of the legislation in June, where can i buy Temazepam online, Temazepam blogs, but House Speaker Nancy Pelosi said her chamber would quickly approve the Senate version in order to get the bill to President Obama’s desk as soon as possible.

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“This is a pivotal step toward aiding Main Street America’s economic recovery, Temazepam maximum dosage, Buy Temazepam from mexico, ” said Jim MacPhee, CEO of Kalamazoo County State Bank in Schoolcraft, where can i buy cheapest Temazepam online, Order Temazepam from United States pharmacy, Mich., and chairman of the Independent Community Bankers of America, rx free Temazepam. Buy Temazepam online cod, ICBA estimates community banks will leverage the $30 billion in capital from the federal government into $300 billion of new loans to small businesses.

The legislation also would boost U.S, buy cheap Temazepam. Temazepam australia, uk, us, usa, Small Business Administration loan programs by increasing the government guarantee on the SBA’s flagship 7(a) loans to 90 percent and eliminating borrower fees on 7(a) loans and 504 loans, which primarily are used for real estate, discount Temazepam. Temazepam For Sale, These breaks, first instituted as part of the economic stimulus bill, revived SBA lending because they made the loans less risky for lenders and more affordable for borrowers. Australia, uk, us, usa, The higher guarantee and fee waivers expired at the end of May, however, buy cheap Temazepam no rx, Temazepam no rx, and SBA lending has fallen dramatically since then. The bill would renew these breaks through Dec, where can i find Temazepam online. Is Temazepam safe, 31.

The bill also would increase the size limits on SBA loans, buy Temazepam without a prescription, Temazepam steet value, making them more useful for larger small businesses. The maximum size for 7(a) loans, for example, would be $5 million, instead of the current $2 million, Temazepam For Sale.

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Most small-business groups supported the legislation, but the National Federation of Independent Business said the bill will provide only limited help.

“While the bill passed today will help some small businesses that either qualify for the specified tax breaks or qualify for new loans, it falls short of addressing the most significant problems facing all small-business owners — lack of sales and uncertainty,” said NFIB Senior Vice President Susan Eckerly.

Republicans had blocked the bill because they were denied the ability to offer the amendments they wanted. Many also opposed the $30 billion lending fund for community banks, contending it was just another version of the Troubled Asset Relief Program.

Voinovich said he remained “disappointed that my colleagues were unable to offer amendments to this bill,” but he “felt we could no longer wait to pass this legislation. We needed to do something now to help the economy get going.”