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    <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>2009-10-08T21:24:52Z</updated>
    <rights>Copyright (c) 2009, Jeff Berthelsen</rights>
    <generator uri="http://expressionengine.com/" version="1.6.7">ExpressionEngine</generator>
    <id>tag:tfda.com,2009:09:07</id>


    <entry>
      <title>Audio Podcast:&amp;nbsp; Eat the Frog</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/audio_podcast_eat_the_frog/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.88</id>
      <published>2009-09-07T21:38:51Z</published>
      <updated>2009-10-08T21:24:52Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <category term="Health"
        scheme="http://tfda.com/index.php/site/C15/"
        label="Health" />
      <category term="Emotional Health"
        scheme="http://tfda.com/index.php/site/C17/"
        label="Emotional Health" />
      <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="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><span style="font-size: small;">This audio only podcast takes a look at a saying by American author, Mark Twain, and applies it to our perspective of showing up each day&nbsp;ready to work and serve.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Audio Podcast:&amp;nbsp; 6 Tenets of Excellence</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/6_tenets_of_excellence/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.87</id>
      <published>2009-09-07T21:04:39Z</published>
      <updated>2009-09-07T21:16:40Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <content type="html"><![CDATA[
        <p><span style="font-size: small;">The following audio podcast details the life of Ralph Fegin and how he exemplifies 6 tenets of excellence that can help you in your everyday life.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Video Podcast:&amp;nbsp; Using Adversity to Your Advantage</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/using_adversity_to_your_advantage/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.85</id>
      <published>2009-08-30T01:44:37Z</published>
      <updated>2009-09-04T06:32:39Z</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="Media"
        scheme="http://tfda.com/index.php/site/C39/"
        label="Media" />
      <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><span style="font-size: small;">This Vodcast discusses the topic of adversity and how when viewed from the proper perspective can be used to drive your life -- both from a personal and business standpoint.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Please note that video players vary -- we have made every effort to pick a format compatible with the majority of media players.&nbsp; You might need to upgrade your player to watch the training video.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Also, for bandwidth and download time sake, the videos are not full screen.&nbsp; Adjusting the media player to full screen may cause distortion in the image.&nbsp; If this happens, adjust the size of your playback screen to a smaller size.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Video Podcast:&amp;nbsp; Learn to Urn</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/learn_to_urn/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.84</id>
      <published>2009-08-30T01:13:26Z</published>
      <updated>2009-09-04T06:33:27Z</updated>
      <author>
            <name>Jeff Berthelsen</name>
            <email>jeffb@1826productions.com</email>
            <uri>http://www.1826productions.com</uri>      </author>

      <category term="Media"
        scheme="http://tfda.com/index.php/site/C39/"
        label="Media" />
      <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="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><span style="font-size: small;">With cremations on the rise, it takes some savvy business strategy to stay ahead of the game.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">With this in mind, this vodcast considers a strategy to benefit your firm while fulfilling the needs and wishes of the families you service.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">Please note that video players vary -- we have made every effort to pick a format compatible with the majority of media players.&nbsp; You might need to upgrade your player to watch the training video.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Also, for bandwidth and download time sake, the videos are not full screen.&nbsp; Adjusting the media player to full screen may cause distortion in the image.&nbsp; If this happens, adjust the size of your playback screen to a smaller size.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>How to Write a Press Release</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/how_to_write_a_press_release/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.69</id>
      <published>2009-08-24T01:42:30Z</published>
      <updated>2009-09-02T04:59:31Z</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="Techniques"
        scheme="http://tfda.com/index.php/site/C8/"
        label="Techniques" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Write a provocative headline.&nbsp; </strong> Use keywords that will help others pick up what you&rsquo;ve written &ndash;  on the Internet.&nbsp; Keywords can be Texas, funeral directors, TFDA,  and anything your release is about.</span>&nbsp;</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Hook the reader with your first sentence.&nbsp; </strong> You&rsquo;ve only got a couple of seconds to get their attention.&nbsp;  Make that first sentence relate to as many as possible. Make them think.  Then, let the rest of the release provide the detail.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Proofread:&nbsp;</strong> Write your release,  print it, and proofread. Rewrite and then proofread again. The more  time you take to do it right, the more you invest in your company's  first impression.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Identify Yourself:&nbsp;</strong>If your news  release does not identify the source of the information and news within  the first few paragraphs, you lose the promotional value your release  can provide you.&nbsp; Readers want to know who is talking.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Don't Be Afraid to Toot Your Own Horn:&nbsp;</strong>If  your company has reached a milestone, celebrated an anniversary, hired  a new funeral director, experienced significant growth or received an  award, tell the world what you did right. Or, write a tip sheet that  offers readers "tips" or help in your field of expertise.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Write Professionally: &nbsp;</strong>No hype,  slang, too many exclamation points.&nbsp; Additionally, on occasion,  media outlets may pick up your release and run it in their publications  with little or no modification. The more professional your release sounds,  the greater the chances are that this will happen.&nbsp;</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Stick to the Facts:&nbsp;</strong>Tell the truth.  Avoid fluff, embellishments, hype and exaggerations. If you feel that  your press release seems sensational, there's a good chance your readers  will think so too.&nbsp; With so much information available to the consumer,  readers are naturally skeptical.&nbsp; If your story sounds too good to be  true, you are probably hurting your own credibility. Even if it is true,  you may want to tone it down a bit.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Use Active Voice:&nbsp;</strong>Verbs in the  active voice bring your press release to life. Rather than writing "entered  into a partnership," use "partnered" instead. Do not  be afraid to use strong verbs. For example, "The committee exhibited  severe hostility over the incident" reads better if changed to  "The committee was enraged over the incident." Writing in  this manner helps give life and energy to your release, which may set  it apart from the rest of the pack.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Economize Your Words:&nbsp;</strong>Wordiness  is distracting, so be concise. Use only enough words as needed to announce  your news and tell your story.&nbsp; In addition, we've found that the news  search engines sometimes reject news releases with overly long headlines,  excessive lists and high overall word counts. Avoid using unnecessary  adjectives, flowery language or redundant expressions such as "added  bonus" or "first time ever."&nbsp; Make each word count. If  you can tell your story with fewer words, you'll have better results  with your readers and the search engines.&nbsp;</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Answer the Tough Questions:&nbsp;</strong>Not  everything is news. Your excitement about something and its availability  does not necessarily mean you have a newsworthy story.&nbsp; Think about your  audience. Will someone else find your story interesting? .Answer the  question, "Why should anyone care?" Make sure your announcement  contains news values like timeliness, uniqueness or highlights something  truly unusual. </span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Attach logos, head shots, product shots,  photographs, audio files, video files, PDF documents or any other supplemental  materials that build up your release. Use anchor text and hyperlinks  to point readers back to your site while promoting important keywords  at the same time.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Formatting Your Press Release</strong></span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">The correct formatting creates a professional,  search engine friendly news release.&nbsp; How you present your news is just  as important as your content. </span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">It should look like this:</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-family: Arial;"><strong>PRESS RELEASE</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>For additional information, contact:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For  Immediate Release:</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Name, Email Address&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Date</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-family: Arial;"><strong>HEADLINE</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>AUSTIN, TX  &ndash; June 1, 2009---</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Text: </strong> No more than 13-15 words per sentence.&nbsp; No more than three sentences  per paragraph.&nbsp; Use good transitions between paragraphs.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Spacing:&nbsp;</strong> Leave one line break  between each paragraph.&nbsp; It's not necessary to include dashes, asterisks  or other symbols to separate sections in your release.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Grammar:&nbsp;</strong> Be sure your news release  follows the accepted rules of grammar and style. Grammatical and punctuation  errors affect your credibility. </span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Length:&nbsp;</strong> It is nearly impossible  to announce your news in a few sentences. If you do not have more than  a few sentences, you may not have a newsworthy item.&nbsp; Try for somewhere  between 300 and 800 words in paragraph form.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>E-mail Address:&nbsp;</strong> Rather than including  your e-mail address in the body of your release, include it with the  rest of your contact information at the top of the page. You also may  want to add your physical address.</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Once it&rsquo;s written, send your release  to:</strong></span>&nbsp;</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>All local newspapers, radio stations,  TV stations and your FaceBook and LinkedIn sites.</strong></span>&nbsp;</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>American Funeral Director</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Funeral Service Insider</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Kates/Boylston Publications</span>&nbsp;</span></p>
<p><span style="font-size: small;"><span style="font-family: Verdana;">3349 Route 138&nbsp;</span><span style="font-family: Verdana;">Bldg. D, Suite D&nbsp;<br /> Wall, NJ 07719&nbsp;<br /> Telephone: 800-500-4585</span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Edward J. Defort</strong>, <em>Publisher  and Editorial Director</em>&nbsp;<br /> </span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">732-730-2582&nbsp;<br /> </span><a href="mailto:edefort@katesboylston.com" target="_blank"><span style="font-family: Arial; color: #356e89;">&nbsp;</span></a></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial; color: #356e89;"><span style="text-decoration: underline;">edefort@katesboylston.com</span></span>&nbsp;<br /> &nbsp;<br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Mortuary Management</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>Funeral Monitor</strong></span></span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Abbott &amp; Hast Publications</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">2361 Horseshoe Drive</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">West Bloomfield, MI 48322</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">800-453-1199</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial; color: #0000ff;"><span style="text-decoration: underline;">info@abbottandhast.com</span></span>&nbsp;</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>YB News</strong></span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Nomis Publications</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Peggy Rouzzo</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">P. O. Box 5159</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Youngstown, Ohio 44514</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">1-800-321-7479</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial; color: #003399;"><span style="text-decoration: underline;">pressrelease@yelobk.com</span></span>&nbsp;</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;"><strong>NFDA  &ndash; The Director</strong></span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Chris Raymond, Editor</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">13625 Bishops Drive</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">Bloomfield, Wisconsin&nbsp; 53005</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial;">262-814-1548</span></span></p>
<p><span style="font-size: small;"><span style="font-family: Arial; color: #003399;"><span style="text-decoration: underline;">nfda@nfda.org</span></span></span></p>
<p><span style="font-size: small;"><br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>The Financial Crises:&amp;nbsp; What Really Happened?</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/the_financial_crises_what_really_happened/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.68</id>
      <published>2009-08-05T13:02:26Z</published>
      <updated>2009-08-27T08:08:28Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="Economy"
        scheme="http://tfda.com/index.php/site/C9/"
        label="Economy" />
      <category term="My Profession"
        scheme="http://tfda.com/index.php/site/C5/"
        label="My Profession" />
      <category term="News"
        scheme="http://tfda.com/index.php/site/C2/"
        label="News" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">Texas, which escaped much of the downturn in 2008, continued to expand much of that year.  However, in the second half, conditions deteriorated rapidly.  The cause of this deterioration?  Deepening global crisis and sharp drops in energy prices, high-tech activity and exports. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">While Texas losses were relatively moderate during the second half of 2008, rising unemployment and a weakening housing market proved Texas was not immune to the financial crisi&iexcl;s. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"> President and CEO of the Federal Reserve Bank of Dallas Richard Fisher connected the dots for his audiences as he spoke and wrote about the financial classes in 2008. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"> <strong>Some Causes of the Financial Crisis: </strong></span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Speculation on Housing</span>: Like previous bubbles, the roots of the current crisis originated in the power of price escalation.  Many U.S. coastal areas were beginning to see 20 to 30 percent year-over-year increases in home prices -- some going as high as 30-40 percent.  Subprime mortgage borrowing or lending to high-risk borrowers occurred with lenders who were eager to lend to a "sure thing."</span></p>
<p><span style="font-size: small;">To a great extent, the bubble in housing was a classic case of the bigger-fool theory and efficient-market theory run amok.     <span style="text-decoration: underline;"></span></span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Market Inefficiency</span>:  Our own vivid experience in Texas in the 1980s teaches us that in booms and bubbles, prices overshoot and during busts, they over-correct. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The markets in commodities, like those of stocks and bonds, are manic-depressive mechanisms and overshoot on the upside as well as the downside. One could deduce from recent price reversals in oil and food prices that they overshot on the upside and there price run-up was a one-off development.  If you subscribe to this argument, you envision a process not unlike that of a python digesting dinner.  It visibly moves through the system, creating some moments of discomfort in this case, a temporary inflationary bulge, but is processed in reasonable time and done with. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Rapid Innovation</span>: Too Far Too Fast:  We saw a wave of innovative mortgage products during the housing boom.  Indeed, there would have been no other way for many borrowers to have found financing without these new mortgage products. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">These innovations in financing took two forms. First, credit-scoring models enabled lenders to better sort and price mortgages made to nonprime borrowers. The second set of innovations allowed these loans to be funded and sold to a new class of investors. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">While traditional mortgages had long been securitized and sold through government-sponsored enterprises (Fannie Mae and Freddie Mac), the securitization market ushered in a new team of players from the private sector.  This new team would hold nonprime mortgages that did not meet Fannie Mae/Freddie Mac standards and that banks would generally not hold in portfolio. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">New and complex securities sliced and diced risk into different tranches. It was though the collateralized debt obligations and collateralized debt obligations and collateralized loan obligations could be hedged with credit default swaps to make them appear to be almost risk free. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Using computers to assess probabilities at warp speed, this growing menu of risk instruments began to expand even more dramatically.  Financial intermediaries (like Goldman Sachs and many others) began offering exotic products to satisfy almost any (greedy) risk-taker's needs anywhere in the world at any time. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">These appetites for risk became excessive during the boom years leading up to 2008.  Innovations, securitization and the originate-to-distribute model of banking were not new, but they took on some new and uncharged dimensions. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Over-reliance on Models</span>:  Excesses in subprime lending in the U.S. were fed by an excessive faith in technically-sophisticated approaches to risk management.  Another feeder was a misguided belief that mathematical models could accurately price securitized assets, including securities based on mortgages.  These valuation methods were so technical and mathematically sophisticated, their utter complexity lulled many into a false sense of security. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">New and sophisticated statistical models, made possible -- in part by advances in computer technology, assured us that all the new risk was being properly and accurately measured.  Ratings agencies further comforted us by giving many of the new securities their seal of approval and often their highest triple-A seal. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"> The most striking and truly new part of the recent financial cycle was the mistake of replacing sound judgment with the mathematization of risk. An immense array of statistical gadgets wielded by a new generation of quantitative minds managed to squelch the wisdom of long-time bankers and seasoned financiers.  The lesson -- statistical models are not infallible. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Market Inconnectedness</span>: At the heart of this specific downturn is the interconnected nature of financial market participants. Unfortunately, while everyone knows this interconnectedness is important, it is difficult to tell exactly how and to what extent things are woven together, sort of like the "butterfly effect."&nbsp;  A butterfly's wings disturb the air around it, setting off a chain of events that ends with a major storm in some remote part of the world.  A small catalyst results in large, and sometimes catastrophic, consequences. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The crisis spreading through the global financial system can be thought of as a butterfly effect. Take credit default swaps, for example. These instruments and the institutions they connect are complex. In principal, these swaps provide a fairly simple service. Properly used, they are a form of insurance against the risk of default of an underlying asset, and while that might sound appealing, the value of the insurance is only as good as the person providing the guaranteed. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">When that individual's viability is called into question -- when heightened uncertainty enters the mix -- the whole network will suffer the consequences. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><span style="text-decoration: underline;">Monetary Policy</span>:  The hunger for new risk products was stimulated by a lengthy period of abnormally low interest rates and the normal human instinct to look for ever-higher yields when the returns on the usual financial instruments like U.S. Treasuries, bank CDs or municipal bonds become ho-hum. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"> In spite of all the advances in economic theory and risk management techniques, when the economy and financial markets get too headstrong and frisky, they become hard to rein in. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Economists like to say that one of the purposes of a central bank like the Federal Reserve is to tame the animal spirits of the economy, employing monetary policy to keep the nation on the path to sustainable, non-inflationary growth.    William McChesney, one of the greatest of the Federal Reserve Chairman, used to say that the job of the Fed is to take away the punch bowl just as the party gets going. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Today's economic crisis is the consequence of the failure to take away the punch bowl and allow the exuberant animal spirits of out economy to get out of hand. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"> Insufficient Constraints:  There are plenty of armchair quarterbacks who now say they saw it -- the current financial crisis -- coming.  Indeed, we must acknowledge that many in the financial community, including the Federal Reserve, failed to either detect or act upon the telltale signs of financial system excess.</span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>When Children Grieve&#8212;How Adults Can Help</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/when_children_grieve_--_how_adults_can_help/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.67</id>
      <published>2009-08-05T12:56:15Z</published>
      <updated>2009-08-27T07:15:16Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="Consumer"
        scheme="http://tfda.com/index.php/site/C7/"
        label="Consumer" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">First, a word of caution: Children don&rsquo;t  grieve like adults.&nbsp; They have their own ways &ndash; perhaps retiring  to the family room and playing a video game or going outside and swinging  on a swing.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">But, have no doubts&hellip;the death of a  loved one can be a painful experience to a child &ndash; maybe even more  difficult than for a wise and knowledgeable adult.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Sam was 12 when his grandfather died.  He didn&rsquo;t want to go to the viewing&hellip;and his parents didn&rsquo;t insist.&nbsp;  He did attend the funeral and saw his grandfather, lying in the open  casket at the end of the service.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Several weeks went by and each time Sam&rsquo;s  mother asked if he wanted to talk about his grandfather, he declined.&nbsp;  However, about a month after the funeral, Sam&rsquo;s mother found that  her son had taken many of the photographs of his grandfather from the  family albums and had placed them in his drawer.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Nothing was ever said&hellip;and years later,  Sam &ndash; now an adult &ndash; revealed just how painful the death of his  grandfather had been.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">The National Funeral Directors Association  provides these guidelines when an adult seeks to help a grieving child:&nbsp;</span></p>
<ul>
<li><span style="font-size: small;">Tell the truth. Honesty is    the best policy&hellip;and it&rsquo;s often less confusing for the child, especially    if you&rsquo;ve told a white lie and they learn the truth.</span></li>
<li><span style="font-size: small;">When explaining death, avoid    the euphemisms, such as&nbsp; &ldquo;Grandma is sleeping,&rdquo; or &ldquo;Uncle    Joe went on a long trip.&rdquo;&nbsp; </span></li>
<li><span style="font-size: small;">For younger children, your    explanation can be as simple, &ldquo;Grandma&rsquo;s heart quit working and    it won&rsquo;t work anymore.&rdquo;</span></li>
<li><span style="font-size: small;">For older children, more details    may be needed to explain the situation.</span></li>
<li><span style="font-size: small;">Allow the child to go to the    funeral. It is healthy for them to witness the event and then ask their    questions.&nbsp; You also may want to prepare them for the service,    giving them a sequence of what will happen &ndash; and what it means.&nbsp;    Be sure to keep explanations age-appropriate.&nbsp; Your funeral director    can be a great help here &ndash; and may even help you prepare the child.</span></li>
<li><span style="font-size: small;">You always know you&rsquo;ve given    more information than the child needed because they&rsquo;ll either change    the subject or will go off and play with a favorite toy&hellip;or they&rsquo;ll    ask for something to eat.&nbsp; Magically, children know when they&rsquo;ve    reached the saturation point.</span></li>
<li><span style="font-size: small;">If a child is comfortable    in doing so, they can be part of the service.&nbsp; They may want to    read a favorite poem or sing a solo.&nbsp; A five-year-old sang &ldquo;The    Lord&rsquo;s Prayer&rdquo; at a playmate&rsquo;s funeral. The little girl sang behind    the curtain that separated the organist from the chapel, so she wasn&rsquo;t    aware of the details, but years later, she felt good, knowing she had    helped the neighbors &ndash; the parents of the child who had died.</span></li>
</ul>
<p><span style="font-size: small;"> &nbsp;<br /></span></p>
<p><span style="font-size: small;">It&rsquo;s also important to make sure children  are eating well, staying hydrated and getting plenty of sleep.&nbsp;  They also may need to exercise and to be around children of their own  age.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">It may not surprise you that your school-age  child may regress in school performance.&nbsp; Be certain to tell his/her  teachers about the loss of a loved one, so they may respond appropriately  if they see the child having difficulty at school.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Allow your child to see you grieve. If  you need to cry, explain to the child why you are crying. Don&rsquo;t run  out of the room and close the door.&nbsp; This will only be confusing  for the child.&nbsp;</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Some time after the death, ask the child  to help you compile a memory book about the loved one who recently died.&nbsp;  Make certain there are photographs of the child and the cherished grandmother,  aunt, uncle or best friend.&nbsp; Also, as you work, use this time to  talk about the deceased with your child.&nbsp;<br />&nbsp;<br />&nbsp; <br /></span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Eight Easy Tips for Funeral Homes in the Current Economy</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/eight_easy_tips_for_funeral_homes_in_the_current_economy/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.44</id>
      <published>2009-07-13T05:06:32Z</published>
      <updated>2009-08-21T17:03:33Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </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" />
      <content type="html"><![CDATA[
        <p><strong>Although every other pundit seems to know how to make it through the economic downturn plaguing this country and every other nation in the world, you are &ndash; in fact &ndash; the best judge.  But, as you move through the coming months and the challenging task of serving your community, here are some tips to consider: </strong></p>
<ul>
<li>Cutting back on expenses may be a good &ldquo;first whack&rdquo; at economic pressures, but in truth, being well-positioned and showing strength in face of the current economy are also necessary.</li>
<li>Know your competition.  Maximize your strengths and know your competition&rsquo;s weaknesses.  The more you know, the better position you have to capitalize on your position.</li>
<li>Be brutally honest.  Take a look at how you do things and determine if this is the best you can do &ndash; from the standpoint of price, how well each element aligns with your reputation and from the client family&rsquo;s point of view.  Is  presenting a family bible after each service serving your purpose and your tradition of service&hellip;or is simply a freebee that, in truth, doesn&rsquo;t mean too much to the family?</li>
<li>Do you use customer surveys to their full advantage?  How often are customer surveys used?  Once you&rsquo;ve received survey results, do you make changes&hellip;or continue with the status quo?</li>
<li>If your relationships with vendors, other firms and your families need improvement, don&rsquo;t wait.  Now more than ever before, your business and personal relationships will determine the future of your firm.</li>
<li>Leave no stone unturned.  In an economic downturn, your firm should be streamlining processes, offering training to employees who aren&rsquo;t totally up to speed and making changes whenever and wherever they may be needed.   Just because you&rsquo;ve been doing things the same way for 10 years is no sign these same processes and procedures will carry you through every challenge. </li>
<li>Don&rsquo;t be afraid to ask &ndash; or answer &ndash; the tough questions.  Be open and honest. Have brain-storming sessions where new ideas and thoughts can be considered and then employed or discarded.</li>
<li>Stagnation is not an option.  Keep moving forward, maintain an open mind to new ideas and listen to your clients &ndash; they will tell you their needs and expectations, often before you ask.</li>
</ul> 
      ]]></content>
    </entry>

    <entry>
      <title>The &#8220;Necessary Evils&#8221; of an Economic Slump</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/the_necessary_evils_of_an_economic_slump/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.43</id>
      <published>2009-07-13T04:59:47Z</published>
      <updated>2009-08-25T23:29:48Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </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="Staffing"
        scheme="http://tfda.com/index.php/site/C11/"
        label="Staffing" />
      <category term="Techniques"
        scheme="http://tfda.com/index.php/site/C8/"
        label="Techniques" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">By now&nbsp; "in the current uncertain economic environment" we know that there are some difficult times that accompany slumps in the economy and our business.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Funeral directors around Texas and across the country have seen, first hand, how families haven't always been able to afford the merchandise or services they would have liked to have provided for a lost loved one. Some families who may have wanted to afford a cemetery plot had to, instead, settle for cremation and a simple service.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">But, there are other difficulties that come with economic slumps, as well. In your business, you may have found the need to trim expenses. In your firm, you may "even now" be looking for ways to do more with less.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">If you're an owner or manager, you have mixed emotions about cutting staff. If you're an employee that has kept his/her job, you may be experiencing survivor's guilt.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Although it's difficult to deliver " and receive -- bad news, the process of conducting the "necessary evils" of cutting hours, laying off personnel or, even in good times, firing an employee can be handled in a way that allows all parties to walk away with dignity and respect. But, preparation for these difficult tasks is essential to achieve these positive outcomes.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Researchers from Harvard and Brandeis point out that making these critical changes require one individual to deal physical, emotional or material harm to another human being, just to survive or move forward to a perceived greater good.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><strong><span style="font-size: small;">In a study the researchers interviewed more than 100 professionals in four occupations and found patterns that were present in all four areas:</span></strong></p>
<ul>
<li><span style="font-size: small;">Most people who performed difficult tasks, such as layoffs, downsizing or firing, experienced mixed emotions, such as sympathy, sadness, guilt, shame or even anger.<br /></span></li>
<li><span style="font-size: small;">Many of the people interviewed were acutely aware of the pain being experienced by those being terminated.<br /></span></li>
<li><span style="font-size: small;">Many people reported they often altered their conduct toward the individual being downsized or fired, depending on the needs of the victim, frequently tailoring their approach and/or responses to the unpredictable outcomes of the event.<br /></span></li>
</ul>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">However, whatever the outcome of the firing or layoff, most of those interviewed said they experienced intense emotions prior to, during and after these difficult conversations.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><strong><span style="font-size: small;">The researchers ultimately found four different approaches people most often used when performing these difficult tasks:</span></strong></p>
<ul>
<li><span style="font-size: small;">First, understand yourself and recognize your limitations.<br /></span></li>
<li><span style="font-size: small;">It's often easier to improvise as the conversation unfolds rather than sticking to a script -- and the task of following the script often doesn't allow you to stay connected to your emotional reactions.<br /></span></li>
<li><span style="font-size: small;">Anticipate you will feel strong emotions when performing these necessary evils and the impact these emotions will have on you and the task.<br /></span></li>
<li><span style="font-size: small;">Create ways to manage yourself when under the intense emotions and stress of laying off another person. This will help you respond more effectively to whatever happens and will assist in leaving the other person with their personal dignity and respect.<br /></span></li>
<li><span style="font-size: small;">Ultimately, few people ever welcome these tasks but most understand the necessity of these actions in order to keep the company on a positive course.<br /></span></li>
</ul>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><strong><span style="font-size: small;">So, here are a few tips to help the "victim" o</span></strong><strong><span style="font-size: small;">f a layoff or firing leave the conversation with their dignity and respect intact:</span></strong></p>
<ul>
<li><span style="font-size: small;">Make it clear, in a layoff, that their performance is not impacting this action.<br /></span></li>
<li><span style="font-size: small;">Show respect for the contribution they have made to the company, whether poor performance is the reason for the firing or not. Leave them with their dignity.<br /></span></li>
<li><span style="font-size: small;">One funeral home manager said, "I tell them the position isn't right for them, that they would be better off working elsewhere. I never make it their fault, and, in many cases, when a funeral director moves on, their careers are actually improved."<br /></span></li>
<li><span style="font-size: small;">Even though firing or laying off an individual you've worked closely with is difficult, make every effort for them to leave with dignity and respect intact.<br /></span></li>
<li><span style="font-size: small;">One more tip: The day it doesn't bother you is the day you need to leave your job!<br /></span></li>
</ul>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">The researchers point out that the difficulty with the task of delivering the news of a layoff or firing is having to do two things at once " being compassionate and be direct.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Those being laid off want to sense that the person giving them the news is empathic and caring. However, the message must also be delivered in a clear and direct way. In an effort to be compassionate, and out of a desire not to appear hard-hearted, it is all too easy to try to sugarcoat the message or to ease into it.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">So doers must actually behave in ways that can feel contradictory, at once delivering a clear, concise, and direct message while providing the time, support, caring touch, and assistance necessary to help the victim digest the message and begin the process of moving forward and as you move ahead, allow yourself to take care of you!</span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Getting The Word Out About Your Firm:&amp;nbsp; Just the Facts!</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/getting_the_word_out_about_your_firm_just_the_facts/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.42</id>
      <published>2009-07-13T04:53:32Z</published>
      <updated>2009-08-25T23:38:33Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="Communication"
        scheme="http://tfda.com/index.php/site/C14/"
        label="Communication" />
      <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="Networking"
        scheme="http://tfda.com/index.php/site/C19/"
        label="Networking" />
      <category term="Trends"
        scheme="http://tfda.com/index.php/site/C33/"
        label="Trends" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">Universal McCann, a full-service communications planning organization, recently released a new report on the impact of social media (such as blogs, social networks, online video) on the media landscape. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">In compiling the report, UM surveyed 17,000 Internet users worldwide in March 2008. The report found that social media, in particular blogs, are "becoming a more important part of global media consumption for internet users than some traditional media channels." The report also found that social media is a global phenomenon (29 countries were surveyed), although there are cultural differences in how people use it. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The report states that "video clips, blogs, podcasts, social networks and RSS are all essential components of the online media diet." </span></p>
<p>&nbsp;</p>
<p><strong><span style="font-size: small;">Here are other key findings:</span></strong></p>
<p><span style="font-size: small;"> </span></p>
<ul>
<li><span style="font-size: small;">83% watch video clips, up from 62% in the last study in June 2007</span></li>
<li><span style="font-size: small;">78% read blogs, up from 66%</span></li>
<li><span style="font-size: small;">57% of internet users are now members of a social network</span></li>
<li><span style="font-size: small;">RSS consumption is growing rapidly up from 15% to 39% </span></li>
<li><span style="font-size: small;">Podcasts are now mainstream digital content, listened to by 48%</span></li>
</ul>
<p>&nbsp;</p>
<p><strong><span style="font-size: small;">Social networks (Twitter, Facebook, LinkedIn) have been "a key driver for the growth of social media":</span></strong></p>
<p><span style="font-size: small;"> </span></p>
<ul>
<li><span style="font-size: small;">22% of social network users have installed a widget or applications</span></li>
<li><span style="font-size: small;">55% have shared photos </span></li>
<li><span style="font-size: small;">22% have shared their videos</span></li>
<li><span style="font-size: small;">31% have started a blog </span></li>
<li><span style="font-size: small;">The world's biggest social network is MySpace with 32% weekly reach followed by Facebook on 23%</span></li>
</ul>
<p>&nbsp;</p>
<p><span style="font-size: small;">So, what does it all mean to funeral service firms -- in Texas as well as across the country?  These facts make it necessary for you to think about how your firm is positioned in the social media: </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Do you have a blog? </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Are there photos and videos?</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Are you, individually or as a firm, on Facebook, LinkedIn, Twitter or others?</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">If not, it's time to consider making a few changes.</span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>When You Work For &#8220;The Family&#8221;</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/when_you_work_for_the_family/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.41</id>
      <published>2009-07-13T04:18:45Z</published>
      <updated>2009-08-26T00:03:46Z</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="Family Owned Business"
        scheme="http://tfda.com/index.php/site/C35/"
        label="Family Owned Business" />
      <category term="Staffing"
        scheme="http://tfda.com/index.php/site/C11/"
        label="Staffing" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">Welcome to the family business. Now, meet the owner and his wife, three sons, two daughters-in-law, and Uncle Mickey and Aunt Judy. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Don't look now, but you're the only "non-family" member of the staff. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">John Johnson has worked as a funeral director for the Hutchinson Funeral Home for close to five years.  The staff includes father-and-son funeral directors, Dad's wife -- the office manager, two daughters -- one handles public relations and the other handles accounts payable. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">There are also five employees who are not related to the owner and they say, "We're all one big family."</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Johnson said working with the family-owned and operated firm is much more personal than working with a single boss or a corporately-owned firm.  "A family business understands family values better. If my children have school activities, or if my elderly mother or father becomes ill, they understand if I feel the need to take time off." </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Johnson said he's willing to go the extra mile or work additional hours when the family business needs him. It's my way of showing my appreciation when they allow me the flexibility I need to take care of my parents or other family issues. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Jody Long works for Fischer Funeral Home and has been there since 1882.  She is one of four non-family members on staff. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Phil Phillips owns the firm. His wife runs the office and Phil's daughter is a receptionist.  Phil's son is completing mortuary school and helps with services on the weekend as well as evening visitations. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Jody has worked at a funeral home owned by three partners, none of whom are related.  "Decisions in a family business are easier to make," she said, "and the owners are open to employee suggestions. Phil tells me things that are going on and often asks my opinion.  I do the same with him."</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">But Jody also believes it's important to find the right family-owned firm to create a fit that will last a long time. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Chris Eckrich and co-author Stephen L. McClure, authors of "Working for a Family Business: A Non-Family Employee's Guide to Success," identify two kinds of family businesses: "family first" and "business first." </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">In a family-first business, owners want many family members involved, including multiple generations. Family-first companies also tend to look at the long term and usually offer greater job stability.  If, however, you want to work your way to the top, you need to look elsewhere. This company will always be run by the family. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The downside to the family-first firm is this: If not all family members take care of the strategic needs of the business because they're too busy being comfortable with each other, the business can erode. So, if you're an "outsider" who is interviewing with a family-owned firm, you might even be told they're hiring you to "turn things around." But once you try to make changes that affect the company culture, your attempts might be viewed as hostile acts...against the family! </span></p>
<p>&nbsp;</p>
<p><strong><span style="font-size: small;">How can you tell whether it's a family-first firm or a business-first firm?</span></strong><span style="font-size: small;"> </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">If several family members are involved in the interview process, it's probably a family-first business.  If the interview is held in a professional setting -- with only one or two chief interviewers, it could easily be a business-first firm. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The family-owned company that appears to be a business-first firm might not have the feel of a family owned business.  In fact, it might feel more like a corporate-run business with a high focus on accountability for results. This is the type of family-owned company in which there may be better opportunities for an outsider to advance. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">How you handle family dynamics can also help determine your success. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Here's a big tip in that direction:  Listen to, but don't try to solve, their family problems, for example -- and if it's a red hot conflict, don't side with one party or another.  Stay neutral -- and disappear, if necessary, to stay out of the line of fire. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Another tip? </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Before you interview with a family-owned funeral home, discuss the firm with people who have had direct experience with the firm and its owners.  Ask about their experience.  If you have used the services of the firm, yourself, try to remember how the staff related to each other. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">And, if you like what you've seen and heard, so far -- before you make a decision, ask if you can work for a couple of half-days before joining the firm.  This will give you a chance to see how everyone interacts -- and what kind of working culture the firm offers. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Remember, you spend more time at work than you do at home -- so, if you feel tension between members of the owner-family or between non-family employees and family members, try looking elsewhere for employment.</span></p> 
      ]]></content>
    </entry>

    <entry>
      <title>Offering an Unusual Benefit: Funeral Planning</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/offering_an_unusual_benefit_funeral_planning/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.31</id>
      <published>2009-07-08T13:35:01Z</published>
      <updated>2009-08-26T00:25:02Z</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="Business Tips"
        scheme="http://tfda.com/index.php/site/C24/"
        label="Business Tips" />
      <category term="Staffing"
        scheme="http://tfda.com/index.php/site/C11/"
        label="Staffing" />
      <category term="Trends"
        scheme="http://tfda.com/index.php/site/C33/"
        label="Trends" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">Health insurance premiums were going up again, and the CEO of Lewiston Atlas was looking for a way to cushion the blow. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">One of the managers suggested adding funeral planning services to the company's benefits package, and Yandell Rogers said he immediately liked the idea. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">"It was a very easy decision," he said. &nbsp;The new perk, which costs less than $5 per employee per year for the 150 employees at the private investment company, includes access to an online price comparison guide and a negotiator who works out the nitty-gritty details from basic cremation to a full-scale funeral. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The economy may be tight, but some companies are still thinking about employee satisfaction and retention. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">And offering funeral planning help when an employee loses a spouse, parent, in-law or child is the logical next step after years of providing child care referral services and elder care assistance.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">After all, Rogers reasoned, funerals are expensive, and most people don't have experience planning them. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Rogers signed up with Everest Funeral Package, a company that doesn't sell funeral products or services but helps its client select the kind of end-of-life services they want without paying for unwanted extras. Everest also negotiates prices with funeral homes and cemeteries for plots and markers and can order caskets from lower-priced suppliers that funeral homes must accept.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">"There's no three-hour sales pitch, no spooky visit to the casket room," said Mark Duffey, CEO of Everest. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">The difference in price can be 250 percent, said Duffey, whose company surveys the cost of each funeral home. Cremation prices can vary greatly even when funeral homes use the same crematorium. </span></p>
<p>&nbsp;</p>
<p><strong><span style="font-size: small;">Putting benefit to work</span></strong><span style="font-size: small;"> </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Deanne Braley hadn't been working for Rogers'&nbsp;company very long when her 69-year-old father passed away rather suddenly last fall, leaving both her and her mother, normally a steel magnolia, overwhelmed. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">A co-worker reminded Braley of the company's new funeral planning benefit and insisted that she call. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Initially Braley, an executive assistant, hesitated because she wasn't quite sure what she was getting into. But the representative walked her through the process, provided a price list of several funeral homes and offered several options such as buying a casket online, something that Braley didn't know she could do. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">In the end, the family opted for cremation and a service for her dad, Raymond Porter Sr., at the Veterans Administration a month later. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Braley figures the service saved the family at least $5,000. But perhaps more importantly, it let the family make informed choices at a time they felt rushed. The coroner hadn't even pronounced her father dead before the hospital wanted to know where to send the body, Braley recalled. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">"I hope other employers will think of this," she said. &nbsp;"It's just wonderful."</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;"><strong>Another approach</strong></span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Houston-based Service Corporation International, which owns and operates more than 1,600 funeral homes, crematories and cemeteries in North America, has its own version called dignity planning. The online tool provides package prices for traditional casket services and cremation but just for the facilities it owns. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">SCI has also partnered with carriers that sell what's known as final expense insurance --&nbsp;the small policies that cover burial costs. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Oftentimes people have made the necessary financial arrangements, but they haven't decided on the kind of funeral they want, spokeswoman Jennifer Brandino said. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">While Everest has 75 client companies that already offer funeral planning services to their employees, the service still hasn't hit the radar of most national employee benefit consulting firms.</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Duffey is hoping to change that by piggybacking on life insurance policies sold through the workplace. He made a deal with Hartford Financial Services Group recently that will include funeral planning services for its new and renewing policies. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Life insurance has largely become a commodity, and to differentiate their products from those of their rivals, some life insurers are adding extras. Funeral planning services coupled with will preparation and estate planning are proving to be popular, said John Steber, who manages product development for group benefits for Hartford in Simsbury, Conn. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Hartford recently conducted a pilot project in two of its offices, selling policies with those extra benefits. The response was so overwhelming --&nbsp;it wrote more than 50 new and renewing big group policies --&nbsp;that it sped up the general rollout. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Funeral planning was the biggest draw, Steber said. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">"It's the kind of benefit that people can really use," unlike perks that are more like bullet items on a checklist that aren't always so useful. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Rogers said he's never had an employee express appreciation for health insurance, life insurance, disability coverage or even free parking. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">They think of those as part of their compensation package, he said. So it really stood out when one of his employees went out of the way to thank him for the funeral planning service. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Even Braley's mother, JoEllen Porter, wrote a thank-you note.</span></p> <p>By L.M. SIXEL Copyright 2009 Houston Chronicle &acirc;&euro;&ldquo; July 4, 2009</p>
      ]]></content>
    </entry>

    <entry>
      <title>Today&#8217;s Economy Gives you Room&#8212;to Grow and Move Ahead, as an Individual and as a Professional</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/todays_economy_gives_you_room_--_to_grow_and_move_ahead_as_an_individual_an/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.30</id>
      <published>2009-07-08T13:30:31Z</published>
      <updated>2009-08-26T00:47:32Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </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="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" />
      <category term="Techniques"
        scheme="http://tfda.com/index.php/site/C8/"
        label="Techniques" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">If reading today's newspaper doesn't give you heart palpitations, listening to the financial news assures you of a headache --&nbsp;or more. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Yes, the markets are contracting, credit is frozen and many businesses are fighting for their very lives.  However, just surviving until things get better should not be the option you choose. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Of course, there are painful truths any time the status quo is interrupted --&nbsp;and yes, there will be cost-cutting and repositioning or restructuring at every turn.  But, as we move through the current crisis -- whether we realize it or not -- how we do business in the future is being reshaped and redefined. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">For the past 10 years or more, we've seen consumer spending increase. However, now we don't know where the money for all this spending came from --&nbsp;and we also don't know where it went. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">What we do know is the average U.S. consumer carries a balance of around $10,000 on his/her credit cards and many individuals, companies and corporations -- have borrowed from Peter to pay Paul, as the saying goes.  Until recently family savings averaged about zero and commercial lenders, such as banks handling mortgages, sold these loans to others who divided them up or bundled them and sold them again. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">So what's next? </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Very simply, we need to come up with innovative ways to create jobs.  Companies in every sector must identify and employ innovative ideas to fuel growth and these same companies will be the leaders in funeral service for the future. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">So, what does this mean to you, the individual funeral director or the owner of a funeral service firm? </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">It means this is no time to run for cover. This isn't the time to hunker down in your comfort zone --&nbsp;to simply pass the crisis by marching in place. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">No, this is the time to explore and expand.  It's the time to look at the options that most appeal to your market area --&nbsp;and then push out to explore other options from there.  This also is the time to train your staff, to empower them to do what hasn't been done --&nbsp;or, as the trekkies say,&nbsp;"To go where no one has gone before."</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">From a global perspective (as opposed to the perspective you may see daily from behind your desk), there is opportunity to be found in every sector of American business and the local economy.  So, your first step is to look to your marketplace. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Look at the demographics?  Are there mainly older Americans in your community? Then, explore what they may need at this point: Social Security information, planning for end-of-life issues, understanding about terms such as power of attorney, wills, Do Not Resussitate orders and more. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Once you've determined the needs of the community you serve, make yourself and your firm an informational resource. Partner with other professionals in your area (attorneys, insurance, physicians, etc.) and provide the needed information. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Also, because the current economic downturn has disrupted families, look for areas where people in your community may need help. This may include compiling a Rolodex of specialists who can help specialists in leasing and foreclosure, home health providers, community social services, faith-based services, Meals On Wheels and senior feeding centers. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Become a trusted member of your community's&nbsp;"safety net."</span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Government funding also represents opportunities.  Many funeral service professionals across the country are working with their counties to reposition indigent burial services --&nbsp;so that funeral service providers can receive more reasonable compensation. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Here's another insight into innovation in turbulent economic times.  Recently, Amazon.com, AT&amp;T, IBM, Microsoft, Cisco, and Google stepped up their efforts to meet the changing needs of certain sectors of their marketplace, even as they respond to revenue declines in traditional business sectors. Some, of course, are short-term opportunities, but being able to respond to the needs of others in your community's marketplace can build the foundation for longer-term relationships and, ultimately, shared economic growth. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Finally, you need the determination -- not just to survive the current economic chaos but to grow as an individual funeral director and as a profession. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Lou Gerstner, former CEO of IBM, offers an example of moving beyond mere survival as the economy was undergoing change. When he took the helm at IBM, he had to take $7 billion out of the company's cost structure in less than two years -- and he did this by finding the key areas of pain for his customers.  Then, recognizing the opportunities, he set about, combining the many little pieces of his company into&nbsp;"One IBM" where processes were simplified and employees committed themselves to serving customers through One IBM.  Now, IBM is not only surviving, it's thriving -- because of Gerstner's innovative insights, his strategy to look at his marketplace and then to identify opportunities.   You can benefit from this same three-step plan and the commitment to innovate:</span></p>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Believe change will reap benefits</span></li>
<li><span style="font-size: small;">Look to your marketplace to identify areas of pain</span></li>
<li><span style="font-size: small;">Recognize new opportunities and offer innovative solutions</span></li>
</ul> 
      ]]></content>
    </entry>

    <entry>
      <title>50 Networking Tips Funeral Directors Should Know</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/50_networking_tips_funeral_directors_should_know/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.29</id>
      <published>2009-07-05T01:15:08Z</published>
      <updated>2009-08-26T02:01:10Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="Communication"
        scheme="http://tfda.com/index.php/site/C14/"
        label="Communication" />
      <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="Networking"
        scheme="http://tfda.com/index.php/site/C19/"
        label="Networking" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">The Federal Bureau of Labor published a study a few years back that showed 70% of all new business comes networking. Below are 50 thoughts to help you on your way.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">1. Come to every event &ndash; and that includes civic club meetings, conventions and other professional meetings -- with three great questions ready to go. Be sure they begin with, "What's the one thing?" "What's your favorite?" and "What was the best part about?"</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">2. No matter where you go &ndash; the mall, church, out to dinner, the gym - have at least five business cards with you.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">3. Be able to give an unforgettable personal introduction in 10 seconds, 30 seconds and 60 seconds.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">4. When someone on the phone says, "May I ask who's calling?" get excited. Say something unique that makes that person say, "Um, okay...please hold." Be unexpected. Be cool. Be memorable.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">5. Get Google alerts on yourself, your company, your area of expertise and your competition. If you don't know what a Google alert is, just Google it.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">6. Networking isn't selling, marketing or cold calling. It's the development and maintenance of mutually valuable relationships. Don't mix these things up.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">7. The most important four letters in the word "networking" are w-o-r-k, because that's exactly what it takes.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">8. If you give your business card to somebody and they don't reply, "Hey, cool card!" get a new card.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">9. When attending events, come early. Check out the nametags. See if you know anybody, or find people you'd like to meet.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">10. Sit in the back so you can scan the room for specific people you'd like to connect with.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">11. Email articles of interest, links or other cool stuff of value, (not spam), to people you've met.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">12. Publish a newsletter from your firm. Include interview from people in your network and feature them as experts. They will take ownership of their inclusion and spread that publication to everyone they know.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">13. Spend one hour a week reading and commenting on other people's blogs. If you don't know what a blog is, you're in trouble.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">14. When you read an article you like, email the author. Tell her what you liked about it and introduce yourself. She'll usually write back.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">15. Have an awesome email signature that gives people a reason to click over to your website. Just be careful not to have too much information included.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">16. Get involved with social networking sites like LinkdIn, MySpace and Squidoo.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">17. Remember that networking doesn't have to be in person. The Internet is a great place to connect with people just like you! It's called Internetworking. (Yep, I made that word up.)</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">18. Make your own words up. It's really fun.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">19. Have business lunches at least once a week.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">20. Attend local events once a month.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">21. Figure out where your target market hangs out (online and offline). Then hang out there.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">22. Create your own regular "business hangout," like a copy or coffee shop where you can regularly be found working, networking, reading or connecting with other professionals.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">23. Talk to everybody. Don't sell them; don't probe them, just make friends. Make friends with everybody. Because people buy people first.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">24. Take volunteer positions with organizations that are relevant to your industry. Be a visible leader to whom others can come to for help.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">25. Every time you meet someone, write the letters H-I-C-H on their business card: how I can help. Then think of five ways to do so.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">26. Go to Borders and spend one day a month reading books on networking, interpersonal communication and marketing. I highly recommend The Power of Approachability and How to be That Guy. (I hear the author is super cool.)</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">27. Publish articles or a blog or both based around your expertise. Use titles such as "Top Ten Ways," "Essential Elements" and "Success Secrets," that grab the reader's attention. Publish them on <a href="http://www.blogger.com">http://www.blogger.com</a> and <a href="http://www.ezinearticles.com">http://www.ezinearticles.com</a>.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">28. Be funny, but don't tell jokes.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">29. Discover the CPI (Common Point of Interest) with everyone you meet.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">30. Carry blank business cards with you in case someone forgot theirs. They'll thank you.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">31. Never leave the house without a pen and paper. Sounds dumb, right? It isn't. It's genius. Nobody keeps napkins with scribblings on them.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">32. Every week, introduce two people you know who need to know each other.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">33. Wear your nametag above your breastbone and make sure it's visible from 10 feet away. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">Nobody cares what side of your chest it's on. Just make it big. And if you don't like wearing nametags, then you probably don't like people knowing who you are, either.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">34. It's not who you know &ndash; it's who knows you.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">35. People will like you the minute they figure out how they are like you.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">36. Fear not to entertain strangers for by so doing some may have entertained angels unaware. (Hebrews, 13:2)</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">37. If you don't have <a href="http://www.yourname.com">http://www.yourname.com</a>, get it. It's ten bucks.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">38. Find local professionals with whom you share common interests, customers, ideas and products. Introduce yourself to them, get together, share ideas and find ways to help each other.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">39. Form a mastermind group. No more than four people. Meet regularly to set goals, keep each other accountable and brainstorm.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">40. Also, set your own networking goals each month for:&nbsp;</span></p>
<ul>
<li><span style="font-size: small;"> Events to attend</span></li>
<li><span style="font-size: small;"> People to meet</span></li>
<li><span style="font-size: small;"> Emails to write</span></li>
<li><span style="font-size: small;"> Calls to make&nbsp;</span></li>
<li><span style="font-size: small;"> Articles/physical mail to send</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">41. Go onto Google and type in "articles on networking." Read on!</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">42. Speaking of Google, Google yourself regularly. Find out what people are saying about you. If you don't show up, you're in trouble.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">43. If you think you don't need to network, you are right. You don't need to network: you must network!</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">44. Stop calling it networking. Ignore the title of this article. Networking &ndash; as a word &ndash; is tired and old and clich&eacute; and it makes people think you're throwing around a bunch of cards trying to sell, sell, sell. No. </span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">All you're doing is making friends. Not schmoozing, mingling or any of those stupid catch phrases. You're making friends. That's it. Friends. Make them every day.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">45. If you think you are poor at networking, don't worry. You're not alone. But also remember that anyone can develop their networking skills. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">That's right, skills. Because it's not something you're born with or just plain "good at." Anyone can do it effectively. You simply need:</span></p>
<ul>
<li><span style="font-size: small;">To develop the attitude of approachability&nbsp;</span></li>
<li><span style="font-size: small;">To read books on the subject</span></li>
<li><span style="font-size: small;">To practice</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">46. When strangers ask, "How are you?" don't say fine. You're not fine. Nobody's fine. Give a real answer that's memorable and magnetic. I suggest, "Business is kicking ass!" or "Everything is beautiful!"</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">47. When someone asks where you're from, don't just say "Austin." Use the H.O.T technique: "Oh, I'm from Austin, home of the best college football team in the country." Get creative. Get unique. Watch what happens.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">48. Put your person before your profession. Your personality before your position. Your individual before your industry.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">49. Don't be different &ndash; be unique. Don't be friendly &ndash; be approachable. And don't be memorable &ndash; be unforgettable.</span></p>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">50. Think about the last five "luckiest" business contacts you encountered. Figure out what you did right, realize that there is no such thing as luck, then repeat as often as possible.</span></p>
<p><span style="font-size: small;"><br /></span></p> <p><span style="font-size: x-small;">By Scott Ginsburg, AKA &ldquo;The Nametag Guy&rdquo; </span></p>
<table border="0" cellpadding="0" style="width: 100%;">
<tbody>
<tr>
<td valign="top">
<p><span style="font-size: x-small;">Author,   keynote speaker and networking guru</span></p>
</td>
</tr>
<tr>
<td valign="top">
<p><span style="font-size: x-small;">&nbsp;</span></p>
<p><span style="font-size: x-small;">&nbsp;</span></p>
</td>
</tr>
</tbody>
</table>
<p><span style="font-size: x-small;">&nbsp;</span></p>
      ]]></content>
    </entry>

    <entry>
      <title>Funeral Service is no Place for &#8220;isms&#8221;</title>
      <link rel="alternate" type="text/html" href="http://tfda.com/index.php/site/funeral_service_is_no_place_for_isms/" />
      <id>tag:tfda.com,2009:index.php/site/index/1.28</id>
      <published>2009-07-05T00:54:14Z</published>
      <updated>2009-08-26T02:11:16Z</updated>
      <author>
            <name>Alice Adams</name>
            <email>rtadams2@aol.com</email>
                  </author>

      <category term="Communication"
        scheme="http://tfda.com/index.php/site/C14/"
        label="Communication" />
      <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" />
      <content type="html"><![CDATA[
        <p><span style="font-size: small;">Without a doubt &ndash; this country and Texas in particular &ndash; has become the proverbial &ldquo;melting pot&rdquo; for every race, religion, creed and lifestyle.&nbsp; Further, people living in this country, for various reasons face hardships in their lives, not because they lack talent but because others are often limited by their biases.</span></p>
<p><span style="font-size: small;"><br />Since you, as a funeral director, serve all races, creeds, colors, religions and lifestyles, there&rsquo;s no place for these crippling biases&hellip;and one of the main reasons is because when a firm shows any evidence of racism, sexism and other "isms," everyone loses.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">But don&rsquo;t rule out the human factor.&nbsp; We all have our personal racial and other stereotypes. They are burned in our brains permanently, like the information on a CD. These stereotypes form at a very early age and are often reinforced by our parents, teachers, friends, classmates, the news media, the entertainment industry and from personal experiences.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">It&rsquo;s human nature and unavoidable to make unfair generalizations about others based on their race.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">For example, the other day a grandchild commented as she watched the TV show, &ldquo;So You Think You Can Dance&rdquo;:&nbsp; &ldquo;Grandma, how come the black boys are better dancers than the white boys?&rdquo;&nbsp; The grandmother carefully pointed out that not ALL black boys can dance and not ALL white boys are bad dancers&hellip;but in simple, innocent moments like these, stereotypes are created.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Of course, you&rsquo;ll never really be able to erase the "stereotypes" you&rsquo;ve formed through the years. Think of that CD again&mdash;it&rsquo;s already recorded there. </span></p>
<p>&nbsp;</p>
<p><span style="font-size: small;">But you can train yourself to be more mindful of how those stereotypical beliefs affect your daily actions, reactions and decision making.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">Here&rsquo;s the good news:&nbsp; You can learn how to manage your biases. You can become more aware of your gut reactions to people who are different from you, and you can question those reactions, knowing they likely are based on long-standing stereotypes and biased images.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p>
<p><span style="font-size: small;">A major focus of diversity training in your firm is helping co-workers and colleagues understand and manage their biases&mdash;because we know we can&rsquo;t completely erase them.</span></p>
<p><span style="font-size: small;"><strong><br /></strong></span></p>
<p><span style="font-size: small;"><strong>Three Ways Stereotypes Can Affect Your Business</strong><br />Making assumptions about people based on their race, religion or lifestyle choices can have a significant effect on workplace culture and productivity. Here are some reasons:</span></p>
<ul>
<li><span style="font-size: small;"><strong>It cuts off opportunities for growth and competition.</strong> If you, or your employees, brand someone based on that person&rsquo;s race, gender, religion, size or age, you won&rsquo;t be able to take advantage of those different and potentially valuable approaches to a problem or task. Tapping diverse viewpoints and styles drives innovative problem solving and learning. </span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;"><strong>Biases and stereotypes create</strong><strong> low morale and low retention.</strong> A workplace infected with racist, sexist, ageist, classist, homophobic and other biases is a place where nobody wants to work. Gay and lesbian funeral service professionals, as an example, cite workplace unfairness as the only reason they leave their employers -- almost twice as often as heterosexual white males. Having an intolerant culture makes the workplace a roller coaster of instability.</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;"><strong>Biases and stereotypes lead</strong><strong> to poor productivity.</strong> When racism, sexism and other isms are rampant in a firm, people will not team up, communicate or consult about important tasks that require collaboration. These &ldquo;isms&rdquo; also force people with different working styles, experience and viewpoints to bend to the will of the majority rather than expanding their skills and talents.</span></li>
</ul>
<p><span style="font-size: small;"><strong><br /></strong></span></p>
<p><span style="font-size: small;"><strong>Ways to Spot Bias </strong><strong>at Your Firm</strong><br />Bias isn&rsquo;t simply defining people by the way they look. It&rsquo;s also about limiting the incredible wealth of perspectives, backgrounds, ideas, skills, talents, problem-solving styles and creativity that are in your talent pool. Thinking of diversity this way opens up new ways to talk about changing the workplace culture. Here are some common signs that could signal the existence of isms in your firm:</span></p>
<ul>
<li><span style="font-size: small;">When diversity and inclusion workshops are offered as occasional extracurricular activities, the practice demonstrates a lack of organizational commitment to cultural competency. Diversity and inclusion should be policy, not an extra that&rsquo;s subject to cost cutting.</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Chronic absenteeism or high turnover rates. Are women constantly quitting? Low retention among certain groups could be a red flag that your firm needs to do more to reach out to and include valuable employees.</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Poor performance. Performance problems are often blamed on people rather than on organizational structures, systems and ways of doing things&mdash;that is, the organization&rsquo;s culture. Poor employee performance can also result from factors such as stress, exclusion and lack of opportunity. </span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">A dominant decision-making style. Is risk-taking discouraged? Have employees been given the message "It&rsquo;s our way or the highway"? A single way to get things done may seem to be efficient management, but it both discourages multiple perspectives and styles and leaves exceptional talent and ideas untapped. </span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Homogenous leadership. Is your management all male or all white or Hispanic? Organizations that truly value diversity and inclusion practice what they preach. If the same people are getting passed over for promotion, cultural competence may be a problem at the top.</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Seemingly innocent racist, sexist, ageist or other insensitive jokes are a sign that the company culture tolerates disrespectful behavior. The use of mascots, symbols or holiday celebrations that exclude certain groups is another sign. Such everyday conversations and activities can unwittingly hurt co-workers.</span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<ul>
<li><span style="font-size: small;">Not using diverse suppliers. Companies that are truly committed to building a diverse and inclusive organization in order to be innovative and competitive will also seek out diverse suppliers. </span></li>
</ul>
<p><span style="font-size: small;"><br /></span></p>
<p><span style="font-size: small;">Becoming aware of your firm&rsquo;s underlying biases is a good first step. The next step is to extend this awareness and engage your employees in the strengths of diversity through diversity conversations.</span></p>
<p><span style="font-size: small;">&nbsp;</span></p> 
      ]]></content>
    </entry>


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