<?xml version="1.0" encoding="utf-8"?>
<feed xmlns="http://www.w3.org/2005/Atom" xml:lang="en">

    <title type="text">Texas Funeral Directors Association</title>
    <subtitle type="text">Texas Funeral Directors Association:</subtitle>
    <link rel="alternate" type="text/html" href="http://www.tfda.com/index.php/site/index/" />
    <link rel="self" type="application/atom+xml" href="http://tfda.com/index.php/site/atom/" />
    <updated>2012-01-18T22:50:59Z</updated>
    <rights>Copyright (c) 2012, Karen Grice</rights>
    <generator uri="http://expressionengine.com/" version="1.6.9">ExpressionEngine</generator>
    <id>tag:tfda.com,2012:01:18</id>


    <entry>
      <title>Join TFDA Today</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/join_tfda_today/" />
      <id>tag:tfda.com,2012:index.php/site/index/1.318</id>
      <published>2012-01-18T22:44:58Z</published>
      <updated>2012-01-18T22:50:59Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>The Texas Funeral Directors Association is holding a Phone-A-Thon on Wednesday, January 18 and Thursday, January 19.&nbsp; If you join TFDA today, you will be able to receive 12 months of the <span style="text-decoration: underline;">Texas Director</span> and you will be highlightdd as a member in the new 2012 -2013 Texas Funeral Industry Directory which is being published this spring.&nbsp; For more information about member benefits, go to the Member Services link on the right side of the home&nbsp;page.&nbsp; For a membership application, <a href="/uploads/docs/Membership12.PDF" target="_blank">click here</a>.</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Scammers Target Funeral Homes &#45; AGAIN</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/scammers_target_funeral_homes_-_again/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.317</id>
      <published>2011-12-13T22:20:33Z</published>
      <updated>2011-12-13T22:25:34Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>The Texas Funeral Directors Association was&nbsp;informed by our Endorsed Provider for credit cards, Joyce Leiser, that a funeral home in South Texas was recently scammed for a large sum of money by someone claiming to have a relative who died in London.&nbsp; TFDA has cautioned our members in the past, but it is time to do so again.&nbsp; NFDA has posted the following information on their website.&nbsp; It is very helpful and complete.&nbsp; Please be careful.</p>
<h2>Scammers Targeting Funeral Homes</h2>
<p>NFDA has received numerous reports from members who have been contacted by scam artists in recent weeks. These scams run the gamut from people pretending they want to purchase cremation jewelry to individuals claiming a relative has died in another country and they need repatriation assistance. Scammers contact funeral homes in a variety of ways (fax, email, relay operators, etc.), and the inquiries can originate from anywhere in the world.</p>
<p>In previous scam alerts, NFDA has cautioned funeral homes to reduce the risk of fraud by taking the following precautions:</p>
<ul>
<li value="0">When an American citizen dies overseas and the remains must be returned to the United States, the nearest embassy or consulate will issue a certificate to accompany the casket. You should still personally verify the legitimacy of a death overseas and the intent to repatriate a body by contacting the State Department's Overseas Citizens Services Office at 888-407-4747.</li>
<li value="0">NFDA members can be found in more than 50 countries around the world; NFDA also has relationships with funeral associations in many countries around the world. NFDA staff can help verify the identity of a funeral home or funeral director in many countries. Call NFDA at 800-228-6332 for assistance.</li>
<li value="0">Simply because a charge goes through on a credit card does not mean that it is legitimate. The credit card may have been stolen and a chargeback will eventually be made against the funeral home when the theft is discovered. Funeral homes should be very careful about accepting credit card payments when the contact is initiated by the consumer and the credit card number is given via e-mail, fax or telephone.</li>
<li value="0">Never wire funds to a consumer or to a third party office such as MoneyGram. Funds should never be wired unless the funeral home is certain as to the identity of the recipient, such as a funeral home that the funeral director has personally contacted using a telephone number available through an independent directory, such as <a href="http://www.nfda.org/index.php/find-a-member">NFDA's online member directory</a>.</li>
<li value="0">Be suspicious if the order is for several of the same items of merchandise, like cremation jewelry.</li>
<li value="0">Whenever a contact is made from overseas, be especially suspicious. Many scams are initiated overseas.</li>
<li value="0">Be wary of any orders from addresses that use free e-mail services. Credit card companies report that these e-mail services have no billing relationship with the consumer which makes them very difficult to trace.</li>
<li value="0">Never ship merchandise until a funeral home verifies that a check has cleared and that funds are in the account.</li>
<li value="0">If you are contacted by someone asking you to send personal or banking information, do not reply in any manner. Guard your account information carefully.</li>
<li value="0">Be skeptical of individuals asking for your help in placing large sums of money in overseas bank accounts or in transferring money from an overseas bank account to an account in the United States.</li>
<li value="0">Do not believe the promise of large sums of money for your cooperation.</li>
</ul>
<p>Make sure that all employees at your firm, as well as your firm's answering service, are aware of the potential for scams by sharing these guidelines with them.</p>
<p>Here is another link:&nbsp; <a href="http://www.scamvictimsunited.com/phpBB2/viewtopic.php?f=9&amp;t=2626">http://www.scamvictimsunited.com/phpBB2/viewtopic.php?f=9&amp;t=2626</a></p>
<p>&nbsp;</p> 
      ]]></content>
    </entry>

    <entry>
      <title>September 1 brings changes that may affect your funeral home</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/september_1_brings_changes_that_may_effect_your_funeral_home/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.299</id>
      <published>2011-08-30T18:39:39Z</published>
      <updated>2011-09-14T18:34:40Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>During the last legislative session, several laws were passed that go into effect September 1 or 2.&nbsp; The one affecting most funeral homes is SB 864 (funeral home retail price lists).&nbsp; Starting September 1, you may be required to add an additional line to your GPL.&nbsp; If you charge a fee (flat fee or percentage) to assist a family in filing a life insurance policy, you are required to put the amount on your GPL.&nbsp;After some discussion with our lobbyist and legal counsel, we are suggesting that even if you do not charge&nbsp;this fee, you&nbsp;should include it on&nbsp;your GPL and list the cost as $0.&nbsp; The language that has been approved is "Life Insurance Filing Fee".</p>
<p>If you supervise provisional licensees, a law also goes into effect that clarifies that provisional period.&nbsp; The law used to read that a provisional licensee could not work more than 17 hours per week or 73 hours per month.&nbsp; It also read that they could not work less than 17 hours per week or 73 hours per month.&nbsp; This language was changed to reflect the provisional period of no less than 12 months and no more than 24 months without a weekly or monthly minimum/maximum number of hours.&nbsp; A rule will be passed at the September 13 Commission meeting to reflect this change.</p>
<p>Also going into effect September 1 is a bill that effects whether the funeral director in charge (FDIC) is charged with a violation if the violation was the responsibility of a licensed employee.&nbsp; All three of the above items were included in one bill.&nbsp; To read the entire text go to&nbsp;<a href="http://www.capitol.state.tx.us/BillLookup/Text.aspx?LegSess=82R&amp;Bill=SB864">http://www.capitol.state.tx.us/BillLookup/Text.aspx?LegSess=82R&amp;Bill=SB864</a>.</p>
<p>Also passed and going into effect on September 2, 2011 is a metal recycling bill.&nbsp; Metal recyclers are required to hold items that appear to be cemetery related for 8 -days before destroying them.&nbsp; This new hold takes effect Sept. 2 with some exceptions that extend the date to March 1, 2012.&nbsp; If you notice missing cemetery items, get the word out to the metal recyclers right away -- you may find them before they are destroyed.</p>
<p>The bill requiring TER to spell out the month on death certificates took effect June 17, 2011.&nbsp; However TDSHS has been given a 12-18 month extension to get this programming change done.</p>
<p>Go to the Legislative Page of the website for more information.</p> 
      ]]></content>
    </entry>

    <entry>
      <title>FTC Sues Two Funeral Homes for Failing to Provide Price Lists</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/ftc_sues_two_funeral_homes_for_failing_to_provide_price_lists/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.275</id>
      <published>2011-07-22T20:05:23Z</published>
      <updated>2011-07-22T20:07:24Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <h1>FTC Sues Two Funeral Homes for Failing to Provide Price Lists; Undercover Inspections in Eight States Find Violations of FTC&rsquo;s Funeral Rule</h1>
<p>At the request of the Federal Trade Commission, the U.S. Department of Justice has charged funeral homes in Chicago and Washington, D.C. with violating an FTC consumer protection rule designed to ensure that people have the information they need to compare prices and buy only the funeral services and goods they want. The FTC&rsquo;s complaints are based on inspections by FTC staff posing as consumers seeking to make funeral arrangements. The FTC conducts undercover inspections every year to ensure that funeral homes are complying with the&nbsp;<a href="http://www.ftc.gov/bcp/edu/microsites/funerals/">Funeral Rule</a>. All funeral homes found with significant violations are offered a chance to enter a three-year training program designed to increase compliance, as an alternative to possible legal action that could otherwise lead to a court order and civil penalties of up to $16,000 per violation.</p>
<p>The FTC seeks civil penalties against the two funeral homes being sued,&nbsp;<a href="http://www.ftc.gov/os/caselist/1123032/110721cartercmpt.pdf">Carter Funeral Chapels, Ltd</a>. and&nbsp;<a href="http://www.ftc.gov/os/caselist/1123047/110721bkhenrycmpt.pdf">B.K. Henry Funeral Chapel, Inc</a>., because they allegedly violated the FTC&rsquo;s Funeral Rule by failing to provide consumers with itemized price lists. Among other things, the Rule requires funeral homes to provide consumers with an itemized price list at the start of an in-person discussion of funeral arrangements, as well as a casket price list before consumers view any caskets. The Rule also prohibits funeral homes from requiring consumers to buy any item, such as a casket, as a condition of obtaining any other funeral good or service.</p>
<p>The FTC alleges that Harry J. Carter III, doing business as Carter Funeral Chapels, Ltd., of Chicago, provided neither a general price list nor a casket price list during two inspections, as required by the Rule. The complaint against B.K. Henry Funeral Chapel of Washington, D.C., and its owners, Brian and Lisa Henry, alleges that they failed to provide a casket price list during two inspections. The cases are part of the FTC&rsquo;s longstanding efforts to make sure consumers are treated fairly when going through the difficult process of arranging a funeral.<br /><br />In 2010, undercover inspections of funeral homes in eight states found significant violations in 35 of the 126 homes inspected:</p>
<ul>
<li value="0">In Santa Clara County, California, significant violations were found at one of 11 funeral homes inspected; </li>
<li value="0">In Wilmington and Newark, Delaware, seven of 17 funeral homes inspected had significant violations; </li>
<li value="0">In Louisville, Kentucky, three of 32 funeral homes inspected had significant violations; </li>
<li value="0">In the New York Tri-State Region (Connecticut, New Jersey and New York), six of 25 homes inspected had significant violations; </li>
<li value="0">In Greensboro and Charlotte, North Carolina, seven of 16 funeral homes inspected had significant violations; </li>
<li value="0">In Corpus Christi and Lubbock, Texas, 11 of 25 funeral homes inspected had significant violations.</li>
</ul>
<p>These funeral homes will participate in the training program known as the Funeral Rule Offenders Program (FROP). The FROP program is run by the National Funeral Directors Association and provides participants with a legal review of the price disclosures required by the Funeral Rule, and ongoing training, testing and monitoring of their compliance. Funeral homes that participate in the FROP program must make a voluntary payment to the U.S. Treasury in place of a civil penalty, and pay annual administrative fees to the Association.</p>
<p>Since the FROP program began in 1996, the FTC has inspected more than 2,400 funeral homes and found that 396 were significantly out of compliance with the Rule. In conducting its annual enforcement sweeps, the agency has received assistance from several state attorneys general. This year, the FTC wishes to thank Kentucky Attorney General Jack Conway and his staff for their invaluable assistance.</p>
<p>In addition to the significant violations turned up in this year&rsquo;s inspections, the FTC identified several funeral homes with minor compliance problems. In this situation, the FTC requires funeral homes to prove that they have corrected the problems.</p>
<p>The FTC educates consumers in English and Spanish about their rights under the Funeral Rule, and provides guidance to businesses in how to comply. During 2010, more than 140,000 consumers and businesses ordered copies of these publications &ndash;&nbsp;<a href="http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro26.shtm"><em>Paying Final Respects: Your Rights When Buying Funeral Goods &amp; Services</em></a>,&nbsp;<a href="http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro19.shtm"><em>Funerals: A Consumer Guide</em></a>, and<a href="http://business.ftc.gov/documents/bus05-complying-funeral-rule"><em>Complying with the Funeral Rule</em></a>&nbsp;&ndash; or viewed them at&nbsp;<a href="http://www.ftc.gov/">www.ftc.gov</a>.</p>
<p>The Department of Justice filed the two complaints on behalf of the Commission in the U.S. District Court for the Northern District of Illinois and the District of Columbia, respectively. The defendants in these cases are not participating in the FROP program. The Commission votes to refer the complaints to the DOJ for filing was 5-0.</p>
<p><strong>NOTE:</strong>&nbsp;The Commission refers a complaint to the DOJ for filing when it has &ldquo;reason to believe&rdquo; that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaints are not a finding or ruling that the defendant has actually violated the law. The cases will be decided by the court.</p>
<p>The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC&rsquo;s online&nbsp;<a href="https://www.ftccomplaintassistant.gov/">Complaint Assistant</a>&nbsp;or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC&rsquo;s website provides free information on a variety of&nbsp;<a href="http://www.ftc.gov/consumer">consumer topics</a>. Like the FTC on&nbsp;<a href="http://www.ftc.gov/leaving/facebook/index.shtml">Facebook</a>&nbsp;and follow us on&nbsp;<a href="http://www.ftc.gov/leaving/twitter/index.shtml">Twitter</a>.</p>
<p><strong>MEDIA CONTACT: </strong></p>
<p>Frank Dorman<em><br /><em>Office of Public Affairs</em></em><br />202-326-2674</p>
<p><strong>STAFF CONTACT: </strong></p>
<p>Craig Tregillus<br /><em>Bureau of Consumer Protection</em><br />202-326-2970 <br /><br />Regards,</p>
<p>Pat</p>
<p><em>Patricia Dreckmann</em><em></em></p>
<p><strong>National Funeral Directors Association (NFDA)</strong></p>
<p><strong>13625 Bishop's Drive</strong></p>
<p><strong>Brookfield, WI 53005-6607</strong></p>
<p><strong>800-228-6332</strong></p>
<p><strong>Direct: 262-814-1559</strong></p>
<p><strong>Fax: 262-782-7092 or 262-789-6977</strong></p>
<p><a href="mailto:pdreckmann@nfda.org">pdreckmann@nfda.org</a></p>
<p>&nbsp;</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Change in Dress Code for Military Honors Funerals</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/change_in_dress_code_for_military_honors_funerals/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.272</id>
      <published>2011-07-18T20:51:31Z</published>
      <updated>2011-07-18T20:55:32Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>Due to the Extremely Hot weather that is being experienced all across the country, the following information is being distributed by the Military regarding dress code for Military Honors Funeral Services.&nbsp; See below:</p>
<p>&nbsp;</p>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">UNCLASSIFIED//</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">THIS MESSAGE HAS BEEN SENT BY THE PENTAGON TELECOMMUNICATIONS CENTER ON</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">BEHALF OF DA WASHINGTON DC//DAPE-HRI//</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">SUBJECT: SERVICE DRESS TROPICAL (CLASS "B" W/RIBBONS) UNIFORM</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">1. THE PURPOSE OF THIS MESSAGE IS TO INTRODUCE AND CATEGORIZE THE ARMY'S</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">SERVICE DRESS TROPICAL UNIFORM (CLASS "B" W/RIBBONS) AS A CLASS "A"</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">EQUIVALENT UNIFORM FOR HOT WEATHER WEAR. IT WILL SERVE AS APPROPRIATE WEAR</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">FOR PARADES, CEREMONIES, REVIEWS WHEN SPECIAL HONORS ARE BEING PAID, AND</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">OFFICIAL VISITS OF US OR FOREIGN DIGNITARIES. THE UNIFORM IS INTENDED FOR</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">SEASONAL HOT WEATHER WEAR ONLY AND IS NOT APPROPRIATE FOR WEAR OUTSIDE OF</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">HOT WEATHER CLIMATES. LOCAL COMMANDER'S WILL DETERMINE THE PERIOD OF WEAR</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">FOR THIS UNIFORM.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">2. THE SERVICE DRESS TROPICAL UNIFORM (CLASS "B" W/RIBBONS) CONSISTS OF THE</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">FOLLOWING ITEMS:</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">- WHITE SHORT SLEEVE SHIRT (STANDARD ISSUE OR LAYFLAT COLLAR) WITH</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">ACCOUTREMENTS AS WORN ON THE ASU JACKET; W/O NECKTIE OR NECKTAB</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">- ASU TROUSERS, LOW WAIST WITH BELT LOOPS (MALE SOLDIERS)</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">- ASU SLACKS, LOW WAIST (FEMALE SOLDIERS)</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">- ASU SKIRT (FEMALE SOLDIERS)</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">3. IN LIEU OF WEARING ALL AUTHORIZED RIBBONS, SOLDIERS HAVE THE OPTION OF</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">WEARING THREE AUTHORIZED RIBBONS ON THE SERVICE DRESS TROPICAL UNIFORM ONLY.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">SELECTED RIBBONS MUST BE WORN IN ORDER OF PRECEDENCE (AS AN EXAMPLE: SILVER</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">STAR, BRONZE STAR MEDAL, PURPLE HEART).</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">4. THE BADGES AND INSIGNIAS CURRENTLY AUTHORIZED FOR WEAR ON THE ASU ARE</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">AUTHORIZED TO BE WORN ON THE SERVICE DRESS TROPICAL UNIFORM.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">5. THOSE BADGES AND INSIGNIAS AUTHORIZED FOR WEAR ON THE ASU ARE OUTLINED IN</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">ALARACT MESSAGE 202-2008 LOCATED AT (<a href="http://www.army.mil/ASU" target="_blank">WWW.ARMY.MIL/ASU</a>).</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">6. THE ARMY ENCOURAGES SOLDIERS AND LEADERS TO BEGIN WEARING THE SERVICE</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">DRESS TROPICAL UNIFORM IMMEDIATELY IN HOT WEATHER CLIMATES.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">7. THIS MESSAGE HAS BEEN AUTHORIZED BY THE ARMY G-1.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">8. HQDA POC FOR UNIFORM WEAR POLICY IS SGM KATRINA EASLEY,</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black"><a href="mailto:KATRINA.EASLEY@CONUS.ARMY.MIL">KATRINA.EASLEY@CONUS.ARMY.MIL</a>, DSN 664-0620, (703) 604-0620.</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">&nbsp;</span></tt></pre>
<pre style="BACKGROUND: white"><tt><span style="COLOR: black">9. EXPIRATION DATE CANNOT BE DETERMINED.</span></tt></pre> 
      ]]></content>
    </entry>

    <entry>
      <title>US Adds Formaldehyde to List of Carcinogens</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/us_adds_formaldehyde_to_list_of_carcinogens/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.265</id>
      <published>2011-06-17T19:37:41Z</published>
      <updated>2011-06-17T19:38:42Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <category term="Health"
        scheme="http://tfda.com/index.php/site/C15/"
        label="Health" />
      <content type="html"><![CDATA[
        <p>&nbsp;<span><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">Monday, 13 June 2011 20:46 </span></span><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;"></span></p>
<p><strong><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">Washington</span></strong><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;"> - The government on Friday added formaldehyde, a substance found in plastics and other commonly used products, to a list of known carcinogens and warned that the chemical styrene might cause cancer.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">In a report prepared for the Secretary of the Department of Health and Human Services (HHS), scientists warned that people with higher exposure to formaldehyde were more at risk for nasopharyngeal cancer, myeloid leukemia and other cancers.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">&ldquo;There is now sufficient evidence from studies in humans to show that individuals with higher measures of exposure to formaldehyde are at increased risk for certain types of rare cancers &hellip;,&rdquo; the Report on Carcinogens said.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">Formaldehyde is a colorless, flammable, strong-smelling chemical widely used to make resins for household items, such as composite wood products, paper product coatings, plastics, synthetic fibers, and textile finishes.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">It is also commonly used as a preservative in medical laboratories, mortuaries, and some consumer products, including hair straightening products.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">The report, produced by the National Toxicology Program (NTP), also added styrene to the list of substances that were reasonably anticipated to be human carcinogens. Styrene is a synthetic chemical used in the manufacture of products such as rubber, plastic, insulation, fiberglass, pipes, automobile parts, food containers, and carpet backing.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">The greatest exposure to styrene in the general population is through cigarette smoking, the report said.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">The American Chemistry Council (ACC), an industry group, lashed out at the report, saying it was concerned that politics may have hijacked the scientific process.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">&ldquo;Today&rsquo;s report by HHS made unfounded classifications of both formaldehyde and styrene and will unnecessarily alarm consumers,&rdquo; Cal Dooley, president and CEO of the ACC, said in a statement.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">Jennifer Sass of the National Resources Defense Council, a U.S. environmental group, praised the government for publishing the report in the face of what she described as pressure by chemical companies to prevent its release.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">&ldquo;The chemical industry fought the truth, the science, and the public &mdash; but, in the end our government experts came through for us, giving the public accurate information about the health risks from chemicals that are commonly found in our homes, schools, and workplaces,&rdquo; Sass wrote in a blog.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">The report also listed aristolochic acids, found in some plants, as a known carcinogen and added the fungicide captafol, some inhalable glass wool fibers, cobalt-tungsten carbide, riddelliine and o-Nitrotoluene to the list of substances reasonably anticipated to be carcinogens.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">It, however, said listing the substances did not in itself mean they would cause cancer. Amount and duration of exposure, and susceptibility to a substance were among the many factors that affected whether a person developed cancer, it said.</span></p>
<p><span style="font-family: 'Arial','sans-serif'; color: black; font-size: 10pt;">The report is available at <a href="http://ntp.niehs.nih.gov/go/roc12"><span style="color: #0269b3;">http://ntp.niehs.nih.gov/go/roc12</span></a></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>A NEW TELEPHONE SCAM TARGETS YOUR CLIENTS</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/a_new_telephone_scam_targets_your_clients/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.264</id>
      <published>2011-06-17T19:24:22Z</published>
      <updated>2011-06-17T19:56:23Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>This is perhaps the most sinister scam that TFDA has heard of since the telephone and e-mail scams began over 5 years ago.</p>
<p>A family is contacted by an individual claiming to work for the funeral home and rudely informs them that they have a balance due on their loved one&rsquo;s funeral.&nbsp; They are asked to pay immediately by credit or debit card.&nbsp;</p>
<p>Our guess is that they get the funeral home information from the obituary and the phone number from the telephone or internet phone directories because the funeral home would not release this information.</p>
<p>Please warn your families, when you are making arrangements, not to be taken in by this scam. &nbsp;&nbsp;The family who reported this had paid in full, but someone who did have a balance might actually pay.&nbsp; Not only do they get taken, but the funeral home gets a bad reputation.&nbsp; This has started in West Texas, but we know that once a scam takes hold, it travels across the state.&nbsp;</p>
<p>Here is a link to a companion article on FSN Funeral Homes website.&nbsp; They have added some tips for consumers and funeral homes.&nbsp; <a href="http://www.fsnfuneralhomes.com/articles/scam-grieving-families/">http://www.fsnfuneralhomes.com/articles/scam-grieving-families/</a></p> 
      ]]></content>
    </entry>

    <entry>
      <title>TFSC to face budget cuts in next biennium</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/tfsc_to_face_budget_cuts_in_next_biennium/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.237</id>
      <published>2011-02-05T00:00:29Z</published>
      <updated>2011-02-09T19:53:30Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="My Profession"
        scheme="http://tfda.com/index.php/site/C5/"
        label="My Profession" />
      <content type="html"><![CDATA[
        <p>When the 82nd Texas Legislature convened on January 11th of this year, Chet Robbins, executive director of the Texas Funeral Service Commission and his staff had already spent hours preparing for the significant budgetary challenges.&nbsp; The next hurdles for Robbins and the Commission will come February 24th, when the senate finance committee meets under the chairmanship of Sen. Steve Ogden of Bryan.</p>
<p>"We will be attending budget hearings," said Robbins, "because of the challenges all Texans are facing...and we are expecting cuts, as are all other state agencies."</p>
<p>Robbins said he, TFSC's accountant and other staff members had previously met with staff from the Texas Legislative Budget Board.&nbsp; "They heard our concerns and came out with recommendations which were submitted to the legislature.&nbsp; That's a starting point," Robbins explained.&nbsp; "The board recommended we be reduced from a staff of 13 to a staff of 12 and that our funding be reduced from $700,000 to $695,000.&nbsp; But, it is important to remember that since March of 2010, we've given up over 10% of our funding, which is in the neighborhood of $80,000."&nbsp;</p>
<p>The Texas Legislative &nbsp;Budget Board, a major agency of our state government, makes recommendations for all state agencies, including Health and Human Services, Medicaid and many others.&nbsp; Robbins said the agency's responsibility for state spending is a huge one and the agency holds significant importance in the operation of the state.&nbsp; &nbsp;&nbsp;</p>
<p>In exploring the possibilities regarding what might come out of Sen. Ogden's committee, Robbins believes that every agency in the state will continue to tighten their belts.&nbsp; "I believe, however, that we can make it at the Commission, barring any other unexpected issues," he said.&nbsp; "We know it won't be easy and there'll be nothing left over.&nbsp; There will be no merit increases for staff, but will all be able to keep our jobs.</p>
<p>"If they take more than we are currently expecting, it will be more difficult," he continued.&nbsp; "I'm hoping the legislature will accept the OBB's recommendation as it is without requiring furloughs, further staff cuts and further funding cuts.&nbsp; There are a lot of options out there, but we just don't know at this point.</p>
<p>"If it is left like it is now with the OBB's suggestions on the table, we will be able to maintain.&nbsp; We won't receive any moneys for upgrading our computer systems or other capital expenditures, but the TFSC will still function if the legislature goes along with the OBB's recommendation.&nbsp; We're prepared to take up the slack where necessary.&nbsp; We've figured it out," Robbins said.</p>
<p>The Commission will not know, for sure, until the Legislature adjourns in June, exactly what the budget will be.&nbsp; Robbins said he would probably have some idea of the final budget in mid-May, however.</p>
<p>"Our money comes from the legislature," the TFSC executive director pointed out.&nbsp; "We're appropriated this funding.&nbsp; That being said, the monies from licensing and disciplinary actions goes into the state's general revenue fund.&nbsp; It is not kept by the Commission.&nbsp; To assist the TFSC in remaining within its budgetary limits, Robbins encouraged all Texas funeral directors to renew their licenses on time and to obey the law so that the Commission will not have to use resources in these areas.&nbsp; "If everyone complies with the rules and laws of the commission, we won't have complaints and we can save money," Robbins said.</p>
<p><br /><br /></p>
<p>&nbsp;</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Video Podcast:&amp;nbsp; Wreaths Across America</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/wreaths_across_america/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.233</id>
      <published>2011-01-29T13:58:08Z</published>
      <updated>2011-02-01T22:08:09Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <content type="html"><![CDATA[
        <p>Texas Funeral Directors Association participated in a ceremony at the state capital honoring those who have served in our nation's military.&nbsp; If you have served, please accept the heartfelt gratitude of all of Texas Funeral Directors Association's members.&nbsp; We shall not forget.&nbsp; Note:&nbsp; Please click "more" to see video from this event.&nbsp; It will take a moment to load before playing, please be patient.</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Prosecutors poised forming the court battle following NPS indictments</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/prosecutors_poised_forming_the_court_battle_following_nps_indictments/" />
      <id>tag:tfda.com,2011:index.php/site/index/1.226</id>
      <published>2011-01-27T23:20:49Z</published>
      <updated>2011-01-27T23:26:50Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="My Business"
        scheme="http://tfda.com/index.php/site/C4/"
        label="My Business" />
      <category term="My Profession"
        scheme="http://tfda.com/index.php/site/C5/"
        label="My Profession" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">ST. LOUIS &ndash; &ndash; While many funeral service observers reacted to last month's news of the 50-count indictment handed down against six controlling officers of National Prearrange Services (NPS) with an exasperated "it's about time," others speculated on the cases long-term ramifications for the profession.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Among the charges levied against Randall Sutton, Sharon Province, Doug Cassity, Brent Cassity, Howard Wittner and David Wulf were wire, &nbsp;bank, mail and insurance fraud; money laundering; and multiple conspiracy charges involving the sale of prepaid funeral services.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Meantime, funeral homes in 19 states that contracted through NPS left make up the shortfall for the contract holder died.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">William Stalter, an Overland Park, Kansas attorney whose key areas of practice include death care law and treaty compliance, said that despite overwhelming evidence of in NPS misconduct, he expects the case against Doug Cassity to go to trial.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">"The Cassity legal team will challenge the federal prosecutors on the interpretation of key sections of Missouri's pre-need law," Stalter said.&nbsp; "One such section of the prior law provided exculpation of the pre-need fiduciary.&nbsp; That law enabled the preneed seller to appoint an investment advisor when the trust assets exceeded $250,000.&nbsp; Under those circumstances, the fiduciary&nbsp; was then relieved of all liability regarding investment decisions.&nbsp; While the parties will brief the issue of whether the investment advisor must be independent of the premium seller, the issue could come down to whether the exculpation of the pre-need fiduciary violates public policy and is void."</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">According to Stalter, the circumstances surrounding the Missouri attorney general's 1992 lawsuit against NPS and the subsequent actions of the State Board of Embalmers and Funeral Directors will play out in pleadings and trial testimony.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">"The Missouri law in effect during those years was rife with ambiguities and limited the Atty. Gen.'s authority to bring actions against preneed sellers," Stalter explained.&nbsp; "The state board would have to refer matters to the attorney general for prosecution.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">"In PS understood the loss weaknesses and exploited the company actively sought the appointment of funeral home clients to the state board," he added.&nbsp; "I anticipate that the evidence may show that NPS received the state board members.&nbsp; However, evidence regarding special financial arrangements may prove embarrassing to some."</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Added Stalter, "the defense may have few options but to play the card that was purchased with political contributions and to threaten a very public and messy trial but too much is at stake for prosecutors, regulators and the funeral industry."</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">The upcoming trial in U.S.&nbsp; District Court, Eastern District of Missouri, Eastern Division, could determine the fate of those firms that were heavily invested in NPS.&nbsp; According to Dan Isard, president of The Foresight Company, funeral homes holding contracts with NPS are getting paid 80% of the original base amount of the contract, "and that only because the state of Missouri claimed that this was an insurance company failure and not fraud," Isard said.&nbsp; "The issue is if the NPS trial takes place tomorrow and if the defendants are convicted, the question becomes whether the State of Missouri would at that point tell the insurers or co-insurers that are making the default repayments that this is not about insurance fraud but outright theft and therefore they will not underwrite that.&nbsp; This is a huge to-be-determined."</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">The way Isard sees it, if the average funeral home had 1 to 2 years of its average revenue in preneed and now is not going to get paid on it, that would account for 15-20 percent of its total revenue in the course of the year for an entire generation. "If that is the case, and its profit margin is 5% to 10% to begin with, we will see funeral homes going out of business," Isard said.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Stalter acknowledges that the same issue of continued coverage by the insurance guarantee Association is crucial to Missouri's NPS providers and the industry at large.&nbsp; "However, Missouri's regulators asserted from the outset that in PES has committed fraud," Stalter said.&nbsp; "Those regulators are keenly aware of what the impact on Missouri funeral homes would be if the guaranty coverage were terminated.&nbsp; But the regulators main concern has to be for the welfare of the consumer, not the funeral homes' profit margin.&nbsp; The reality is that if there is no payment on NPS contracts, some funeral homes will go out of business and others will stop honoring their NPS contracts.&nbsp; Consumers will complain to their legislators, and Missouri will be looking for new answers."</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">The 108 page indictment states that after taking into account insurance and trust assets expected to be available to pay for future funeral services and merchandise under prearranged funeral contracts sold by NPS, the loss to purchasers, funeral homes and state insurance guarantee associations will range from $450 million to $600 million.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">If convicted, the maximum penalties for each of these charges range from 5 to 30 years in prison and/or from $250,000 to $1 million.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Two of the six were previously indicted.&nbsp; Sutton, former chief financial officer, president and director of NPS, and Province, office manager, assistant secretary and president of NPS Inc., who also held vice president positions at other companies owned by Cassity, were charged a year ago on nine felony counts, including mail fraud and money laundering.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Source:&nbsp; NFDA's "The Director" - January 2011 issue</span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Proud Member of TFDA</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/proud_member_of_tfda/" />
      <id>tag:tfda.com,2010:index.php/site/index/1.176</id>
      <published>2010-10-25T18:22:12Z</published>
      <updated>2010-10-25T18:28:13Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>The Texas Funeral Directors Association's Media Relations committee developed a logo that TFDA members can use on their website, on the bottom of obituaries in the newspapers, on their stationery, etc.&nbsp; This image is posted on the website under the Members Only section.&nbsp; Go to the My Association Link and then to the Members Only section.&nbsp; You will be required to log in.&nbsp; If you do not remember your log-in information, call 800-460-8332 and ask for Karen or Joyce.&nbsp; If you are a TFDA member, we hope that you will proudly display that fact by using this logo as you see fit.&nbsp; Simply stated, it says, "Proud Member of the Texas Funeral Directors Association HELD TO HIGHER STANDARDS."</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Texas Funeral Directors Week</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/texas_funeral_directors_week/" />
      <id>tag:tfda.com,2010:index.php/site/index/1.164</id>
      <published>2010-08-12T21:59:15Z</published>
      <updated>2010-10-14T18:41:16Z</updated>
      <author>
            <name>Karen Grice</name>
            <email>admin@tfda.com</email>
                  </author>

      <content type="html"><![CDATA[
        <p>Texas Funeral Directors week was last week (October 3-9, 2010).</p>
<p>Let us know how your funeral home celebrated Texas Funeral Directors Week.&nbsp; We will be happy to include&nbsp;information (with photos preferably) in our magazine.</p> 
      ]]></content>
    </entry>

    <entry>
      <title>14 Things Smart Leaders are Doing Right Now</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/14_things_smart_leaders_are_doing_right_now/" />
      <id>tag:tfda.com,2010:index.php/site/index/1.152</id>
      <published>2010-03-16T10:11:41Z</published>
      <updated>2010-03-16T10:14:42Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <category term="Economy"
        scheme="http://tfda.com/index.php/site/C9/"
        label="Economy" />
      <category term="My Business"
        scheme="http://tfda.com/index.php/site/C4/"
        label="My Business" />
      <category term="Business Tips"
        scheme="http://tfda.com/index.php/site/C24/"
        label="Business Tips" />
      <category term="Professional Development"
        scheme="http://tfda.com/index.php/site/C23/"
        label="Professional Development" />
      <category term="Techniques"
        scheme="http://tfda.com/index.php/site/C8/"
        label="Techniques" />
      <content type="html"><![CDATA[
        <p>When the going gets tough, the tough get going. After all, it's easy to excel at leadership when all is right with the world. The real test occurs when times get rough, the way they are right now.</p>
<p>Right now, the visionaries among us are engaged in a dual strategy. On the one hand, they're looking inward to shore up their businesses internally. On the other, they're looking outward, pouncing on opportunities created by the economic downturn. If you're not doing so already, here are some key steps you should take.<br /> <br /> <strong><span style="text-decoration: underline;">Make Internal Improvements</span></strong></p>
<p><strong><span style="text-decoration: underline;"><br /></span></strong> <strong>1. Monitor cash flow.</strong> Cash is king, now more than ever. Make sure your lines of credit are adequate, and pay extra attention to cash-flow projections. If you run short of working capital, manage by cash (not profit and loss statements). Monitor your numbers closely, and be ready to act.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>2. Review your strengths and weaknesses.</strong> Know thyself. If you are aware of flaws in any areas of your business, remedy them now. They make you vulnerable. Similarly, find new ways to capitalize on your strengths. You need them more than ever.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>3. Rethink your sales strategy.</strong> Identify your most profitable products or services, and focus your sales efforts accordingly. Use gross profit as a measure, or better yet, your gross margin return on investment.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>4. Categorize your customers.</strong> Determine who's profitable, and who's not. If some customers are a drain on resources, either raise their prices or "fire" them. You can't afford to carry unprofitable customers along; you need to work lean and mean right now.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>5. Improve work processes.</strong> If there are excess costs in your workflow, squeeze them out, so your business runs as efficiently as possible. Perhaps you can benefit from an assessment program such as Total Quality Management.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>6. Increase throughput.</strong> During soft markets, customers often purchase in smaller quantities. Instead of turning small accounts away, find ways to accommodate them. If you can shorten lead and set-up times without compromising work flow, do so. It will add up.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>7. Ramp up marketing efforts.</strong> What's the first thing many firms do to tighten their belts? The exact worst thing: cut back on marketing. Research proves that companies that maintain (or better yet, accelerate) marketing activity during soft economies reap greater benefits later. Besides, marketing firms are hungry for business now, so you can negotiate better deals.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>8. Review your compensation.</strong> You need to get the most from your work force now. If you haven't already, put performance measurements in place and link compensation to performance. Think creatively: Can you lower base salaries while increasing results-driven bonuses? Remember, salaries are the single largest expense for most small businesses.</p>
<p>&nbsp;</p>
<p><span style="text-decoration: underline;"><strong>Seek External Opportunities</strong></span></p>
<p><br /> <strong>9. Create strategic alliances.</strong> Forming simple partnerships can save you money. Consider buying pools, rent sharing and equipment sharing as ways to reduce expenses. Another idea: Can manufacturers' reps and export agents give sales a boost?</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>10. Renegotiate with vendors to reduce expenses.</strong> Take your rent, for example. If your lease will expire in the next few years, suggest a longer-term lease in return for cost concessions. Or, if you are in a position to pay suppliers promptly, use it to obtain price discounts and promotional allowances.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>11. Target your competitors' customers.</strong> If one of your competitors is struggling, reach out to its known customers. If those customers sense a decline in quality or fear a service disruption, they may be receptive to your pitch.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>12. Even better, acquire your competitors.</strong> If you're in a position to buy out floundering competitors, consider it, but only if it will further your own strategic goals.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>13. Upgrade personnel.</strong> There are many talented people looking for work right now. If you've been muddling along with mediocre employees, know that they're dragging your business down. If you can't bring their performance up to par, do the hard thing and make some changes.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong>14. Keep your eyes open.</strong> Be on the lookout for fresh ideas and opportunities. Stay abreast of news and trends. Interact with other entrepreneurs to see what they're doing. Learn from what's going on around you, and be poised to jump on opportunities when they come your way.</p>
<p>&nbsp;</p>
<p>When the going gets tough, smart leaders get going. Be prepared, and be proactive. Your company can not only survive the recession, but also benefit from it, provided you take the lead.</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Confidence</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/confidence/" />
      <id>tag:tfda.com,2010:index.php/site/index/1.150</id>
      <published>2010-03-16T09:53:55Z</published>
      <updated>2010-03-16T09:54:56Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <category term="Communication"
        scheme="http://tfda.com/index.php/site/C14/"
        label="Communication" />
      <category term="Networking"
        scheme="http://tfda.com/index.php/site/C19/"
        label="Networking" />
      <category term="Personal Development"
        scheme="http://tfda.com/index.php/site/C22/"
        label="Personal Development" />
      <category term="Professional Development"
        scheme="http://tfda.com/index.php/site/C23/"
        label="Professional Development" />
      <content type="html"><![CDATA[
        <p>Having confidence means you believe in yourself and that you trust your own judgment and resourcefulness. In his many books on self-esteem, Dr. Nathaniel Branden defines self-esteem as the sum of self-confidence and self-respect. For him, self-confidence is knowing that you have the wherewithal to function reasonably well in the world.<br /><br />&nbsp;<br />You feel competent to make choices, competent to satisfy your needs, to chart the course for your life. Having confidence in specific situations, such as in gaining influence with someone, flows from a general self-confidence about your ability to meet life&rsquo;s challenges.<br /><br />&nbsp;<br />A person who exhibits confidence appreciates a sincere compliment and doesn&rsquo;t brush it off. A confident person is comfortable giving, and receiving, compliments. He&rsquo;s also able to handle criticism if it comes his way because he basically likes himself and knows that a single negative incident won&rsquo;t change that.<br /><br />&nbsp;<br />Confidence in yourself is built up over time. You can fake confidence, and you may need to at first, but real self-confidence comes from a history of small victories and accomplishments that add up to a sense that you can handle yourself well in most every situation. I suggest you take an inventory of the major accomplishments you&rsquo;ve achieved over the past few years. Then remind yourself of the minor ones, too. What about the computer course you completed? Have you built anything that&rsquo;s still standing? What about those kids you&rsquo;re raising? That&rsquo;s an accomplishment. Don&rsquo;t be modest.<br /><br />&nbsp;<br />Tell the truth about how hard you worked and what sacrifices you&rsquo;ve made. If you can&rsquo;t think of any, then begin by congratulating yourself for living as long as you have. Sheer survival is an accomplishment these days! Seriously, it pays to take the time to know your strengths and appreciate them. What&rsquo;s unique about you? What skills do you bring to an organization or project that you can count on?<br /><br />&nbsp;<br />&ldquo;Confidence is a fundamental trait for flexibility. It&rsquo;s hard to be flexible when you&rsquo;re fearful or easily intimidated. Confidence is indispensable if you want to engage someone&rsquo;s attention.&rdquo;</p> 
      ]]></content>
    </entry>

    <entry>
      <title>Wowing Your Customers in a Lackluster World</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/wowing_your_customers_in_a_lackluster_world/" />
      <id>tag:tfda.com,2010:index.php/site/index/1.149</id>
      <published>2010-03-16T09:49:24Z</published>
      <updated>2010-03-16T09:53:26Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <category term="Economy"
        scheme="http://tfda.com/index.php/site/C9/"
        label="Economy" />
      <category term="My Business"
        scheme="http://tfda.com/index.php/site/C4/"
        label="My Business" />
      <category term="Business Tips"
        scheme="http://tfda.com/index.php/site/C24/"
        label="Business Tips" />
      <category term="Family Owned Business"
        scheme="http://tfda.com/index.php/site/C35/"
        label="Family Owned Business" />
      <category term="Professional Development"
        scheme="http://tfda.com/index.php/site/C23/"
        label="Professional Development" />
      <category term="Techniques"
        scheme="http://tfda.com/index.php/site/C8/"
        label="Techniques" />
      <category term="Trends"
        scheme="http://tfda.com/index.php/site/C33/"
        label="Trends" />
      <content type="html"><![CDATA[
        <p>If it seems to you that service providers have become more complacent recently and that the quality of service that they provide has dropped in many instances, you are probably right. In an era when fortunes have plummeted, people struggle to find or keep a job, families are stretched to the breaking point, organizations struggle to stay afloat, anxiety levels are peaking, optimism is often replaced with pessimism, and there is chaos all around the world, service providers often seem to take it out on their customers. They do this through indifference, lack of enthusiasm, and in some cases blatant rudeness.<br /><br /><strong>The impact of bad service:</strong><br /><br />The unfortunate part of a deterioration in service levels is that at a time when competition is fierce to get and keep customers, many organizations are implementing policies and allowing employee actions that do just the opposite. Many service providers seem to do just enough related to service to keep their job and to ensure they do not raise the ire of their supervisors. Forget "Do you want fries with that hamburger?" "What else can I do to assist you?" or "Thank you for shopping at ____." Today you are much more likely to hear, "It's not my job," "You have to call ____ for that," or "They won't let me do that" in response to a customer need or request. The term self-service often takes on a revived meaning when dealing with some service providers today.<br /><br /><strong>What to do about the problem:</strong><br /><br />That is the bad news. The good news is that is does not have to be that way. Proactive supervisors and organizations are dusting off some old techniques for impressing or wowing customers. In some cases, they are also coming up with new approaches to fit the needs of today's customers. In a time when money is tight, many of the strategies are cost-effective and more heartfelt. To help your organization maintain market share while wowing your customers, start thinking of ways to enhance the service experience.<br /><br />&nbsp;<br /><strong>Consider the following ideas when planning your service strategy:</strong><br /><em><br /></em></p>
<p>&nbsp;</p>
<p><em>Retail organizations</em><br /><br />&bull; Benchmark against successful competitors and trendsetters in your industry.<br /><br />&bull; Wow your customers with the unexpected. For example, when someone orders something online and pays for standard shipping, give them expedited service and get their products there sooner.<br /><br />&bull; If you find out that someone is celebrating a special event like an anniversary, promotion, childbirth, or birthday, take 10% off their dining bill or treat them to a free dessert.<br /><br />&bull; Provide coupons for future visits to everyone who makes a purchase. This encourages their return or perhaps they will give the coupon to a friend and generate a new customer.<br /><br />&bull; Partner with complementary organizations to offer special deals. For example, if you sell cars, partner with a local carwash to give one free detailing service or a monthly carwash for a period of time.<br /><br />&bull; Send out email notices of upcoming special sales or events and offer coupons to customers who provide their email addresses.<br /><br />&bull; Give a free shampoo to all new customers in your hair salon or barbershop.<br /><br />&bull; Give a free pair of ankle socks to someone who purchases a pair of running shoes.<br /><br />&bull; Put mints on a guest's pillow in your hotel or bed and breakfast, along with a discount coupon for a local horse carriage ride or attraction that you have partnered with.<br /><br /><em>&nbsp;</em></p>
<p>&nbsp;</p>
<p><em>Professional practices and organizations</em><br /><br />&bull; Provide a free teeth whitening to new dental patients.<br /><br />&bull; Send a gift card from local businesses with whom you have partnered to customers who refer friends or relatives to your practice.<br /><br />&bull; Provide a free one hour coaching session on home buying to potential real estate clients.<br /><br />&bull; Do a free eye exam to any client who gets a friend to schedule an appointment to have their vision checked ort buys eyeglasses.<br /><br />&bull; Clean carpets in one room for every two rooms that a client schedules to have cleaned.<br /><br />&bull; Offer one free pool inspection and cleaning to anyone who signs up for a year of pool services.<br /><br />&bull; Provide a booklet of coupons good for free bottles of water, provided by a local store, with which you have partnered, to each person who signs up on a one-year gym contract.<br /><br />&bull; Launder one shirt for every two that a client brings in.<br /><br />&bull; Offer a free wash and manicure to anyone who signs up for dog walking services.<br /><br />&bull; Provide a free pc cleaning and checkup for anyone who contracts to have you design their website. If you do not offer such services, partner with someone who does and offer coupons to your customers.<br /><br /><em>&nbsp;</em></p>
<p>&nbsp;</p>
<p><em>Associations and non-profit organizations</em><br /><br />&bull; Offer one month of free membership to anyone who becomes a new member. Offer three months of free membership to any renewing members. Since keeping current members is cheaper than recruiting new ones, this makes sense.<br /><br />&bull; Provide free travel kits to members who refer someone who becomes a new member.<br /><br />&bull; Send out free baseball caps or other promotional items with the organization's logo on them to members who submit suggestions for improving service.<br /><br /><em>&nbsp;</em></p>
<p>&nbsp;</p>
<p><em>All organizations</em><br /><br />&bull; Develop a creative website that is easy to navigate, informative, provides free things (e.g. coupons, articles, and white papers) to visitors. Also, allow people to join as members or account holders in order to receive things that other visitors do not see or get (e.g. advance opportunity to buy, members only sale information, special coupons, or free gifts).<br /><br />&bull; Create and offer free webinars for people who sign up for user groups on your website.<br /><br />&bull; Have someone in the organization tasked with creating and maintaining an account on social media and bookmarking sites like Facebook.com, Twitter.com, YouTube.com, selfgrowth.com, and LinkedIn.com.<br /><br />&bull; Provide coaching services on topics on which your organization or staff specializes.<br /><br /></p>
<p>&nbsp;</p>
<p>Great service is not a mystery. Simply ask your customers what they expect, provide what you can, think outside the box to identify service success strategies and demand nothing less than service that wows from your staff. To accomplish the latter, provide quality training, equipment, tools, management support, and resource materials to employees. Additionally, if you reward quality service efforts, employees will in turn typically respond with dedication, enthusiasm, and a desire to help customers and clients.<br /><br />As your organization struggles to survive and possibly redefine itself in an unsure business environment, you have an inexpensive tool to help you stand out from your competition -- quality customer service. By training staff, being proactive in delivering what you promise, and ensuring that your customer's needs and wants are met to the best degree possible, you can set a level of excellence that will truly wow your customers. The result will be increased market share or placement in your industry or profession.</p> 
      ]]></content>
    </entry>


</feed>
