Death Is A Market Too

Row of crosses in cemetery

© Roman Milert | Dreamstime.com

That may seem like an odd question. However, there are articles, magazine, websites, and contests about this subject. If you’re looking for a different topic or a new challenge, it’s not a bad place to look. I’m not talking about death in a murder mystery or fictional sense. I’m talking about discussing death in a very personal sense. At this point, most people get squeamish and decide to find a new recipe to publish. Do you? You may be missing good opportunities.

I understand that death is a painful subject for almost everyone at some point, and it can take time to be able to share your feelings. If that’s the case, consider writing about the controversies in families, ethical wills, the difficulties of enforcing living wills (also called medical directives), elder care laws, or other related areas. Maybe your area needs someone to review nursing homes, hospices, or lifecare communities for senior newsletters or websites. Some of the home health care company websites also ask for reviews. Reviewing lifecare communities isn’t much different than reviewing a resort. They are large, pretty, include everything within one community, and the staff and residents usually welcome guests. All you need to do is schedule a tour.

On the other hand, if you’re comfortable talking about personal experiences, there are places to do that too. It’s not a topic that’s off limits for writing contests, poetry, or creative non-fiction, unless the topic is specified. In addition, there are magazines for the hospice and funeral industries, as well as for caregivers. Another popular topic is green burials. The environmental impacts and choices available offers many topics and approaches. Of course, you can also glean information from others.

People who go through personal losses often want someone to talk to them and to be able to open up. They get tired of people not saying anything or avoiding them. They’re tired of being afraid to say anything because it might alienate friends and family. That’s one reason I include forums on the A Penny and Change blog site. Losing loved ones is a major life change, and I hope to build a support community for all manner of life changes. Good or bad, changes require adjustments. There’s nothing better than talking to people who are there with you or who’ve been there.

Writers can read and join forums and websites on my site, or other sites, in areas of interest. As long as you respect other people’s privacy and feelings, there’s no problem asking for their input or doing an informal survey. Eulogy and obituary writing, bereavement books, memory books, and poems for cards or gravestones, have to be written by someone. While many people pick something from a list at a website or funeral home, others would love something personal. I wrote my mother-in-law’s obituary and family members I’ve never met called to say it was the best obit they’d ever seen. A professional writer can make a difference anyplace written words are used.

If you’re also looking for new ideas to teach in writing classes, try the topic of ethical wills. There are more memoir writing classes than I can count. However, writing an ethical will is a topic that’s more focused and appeals to church groups and service groups, as well as individuals. It can be used as a new class in personal writing too. Ethical wills are also a great place to use video and audio to convey the full meaning and personal importance of the author’s wishes. This is a hot topic and not one that’s limited to persons approaching the end of their lives.

What does this writing pay? Honestly, no one answered my queries about the volume of business or annual income they receive from these services. Therefore, I can only say what I found searching online. Eulogy speeches came in at $275 for 3 minutes, with original poems for cards and gravestones at $100. One site charges a flat fee for meeting with the relatives and producing the first write ($200 for the meeting and $50/hour for rewrites). Workshops for bereavement books are offered on another site at $350 for ten sessions. Of course, many places don’t list prices, and it’s not likely to be a large market.

One important fact to remember is that this type of work is always needed immediately. Burials are often within days of a death, and the turnaround expected may be a matter of hours–a day or two at most. Don’t venture into this market without realizing this and being able to commit to meeting that type of deadline (no pun intended). However, with the aging population, it’s a fact that there is a market that will expand. If you think you can deal with grieving relatives and the funeral home environment, try leaving a card with neighborhood churches and funeral homes, or place a tasteful ad in a senior newspaper. You may also want to design a nice business card and leave it with a letter of introduction at the lifecare communities in your area too.

 

 

Permanent link to this article: http://pennyleisch.com/wordpress/2012/03/10/death-is-a-market-too/

Bank Shopping

This past week made me realize that I really want to change banks. I want to join the ranks of customers leaving the large financial institutions. Why? Because my big bank posted a payment to the wrong account (yes, the account number was on the payment) and won’t reverse it. I can’t say that I pulled out all the stops chasing it to completion though. After about three hours, a couple of emails and an online chat session, I was done. I made a payment to the correct account and gave up. If I wanted to sit on hold or call customer service, I wouldn’t use online banking. If they can’t provide service by email and online, why pretend to offer it?

I could have sat on hold with customer service for a couple more hours the next day and tried to understand the person on the other end of the line, most likely without a better result anyway. By then, I may have had a couple more problems to untangle due to late fees and interest rate changes. Unfortunately, I also had to make another payment–this time to the correct account, which wasn’t in the budget. All of that brings us to the subject of customer service, which I get very nicely at my credit union. However, I’m caught in the middle because they don’t offer everything I need.

After several bad experiences with the “big bank”, I’m serious about shopping for a community bank or credit union with the services I need. My hang-up is that our household uses Quicken to handle our bookkeeping. That means all of my payments and accounts are already set up, and I can pay or download with the push of a button. To use an online banking program, I have to input that information again. Those of you who have cars, kids, insurance policies, homes, petsitters or babysitters, utilities, and a business, understand that the number of transactions add up.

There are limits on the number of transactions at some of the smaller financial institutions. At others, there’s a fee for each transaction over a specified number. In addition, I haven’t found one that I can connect with by using Quicken for the upload and payments, at least not where I live. My credit union only downloads the transactions and balances. What happens if I spend the hours required to find and input all of the accounts on their online system and that relationship doesn’t work out?

As a sole proprietor, I do everything I need to do with the basic Quicken program. I don’t need business accounts or credit card accounts with additional heavy transaction fees either. PayPal serves my needs when a customer wants to use a credit card, and I don’t pay a fee unless there’s a transaction. My system is simple to use and maintain. My goal is to get my banking simplified too. The big bank games and fine print wear me out. That one misposted payment could have cost a lot more than an extra payment, and I only found it by accident.

Worse yet, when I went online to review the accounts, the due dates didn’t match for the same account and payment on two different pages of the bank online system. Yet, I can’t get them to correct a mistake, and I have to spend hours of my time to try to prove they made a mistake. The last time I was in a branch, the manager couldn’t do anything I can’t do online. What’s the point in having a manager?

At this point, my advice is to keep it simple and realize that no relationship will last forever. It takes time to shop for new services, but you probably won’t have to do it more than every few years. However, the time you save by getting better customer service will pay off. The last problem made me realize that I’ve put this decision off too long. We refinanced our home over a year ago through the same bank, and it was a nightmare. The odd part is that they already held the loan–shouldn’t that make it easier?

Customers vote with their wallets, and it’s time to vote more often and sooner. After all, isn’t that why some of your customers come to you? Do you keep going back to a place that doesn’t treat you well? What about you? Is your bank holding you hostage because it takes too much time to start over?

 

 

Permanent link to this article: http://pennyleisch.com/wordpress/2012/02/27/bank-shopping/

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