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Trisha Ball Talks About the Importance of Pre-Planning Your Funeral and How it Can Help Your Family

The death of a loved one is a sensitive subject and one that should be treated with much patience, understanding, and grace on all parts. 

When this event – whether sudden or expected – takes place, the last thing people want to go through is added stress and anxiety that can come from family disagreements.  When a family loses a loved one, it can be easy for emotions and long-suppressed feelings to arise and manifest; especially when people are going through the grieving process and attempting to cope with this sudden life change. 

In my experience in talking with families every day, I felt it valuable to offer some of my experiences and educate people on the benefits of pre-planning, and why this advanced planning can help prepare your loved ones for this event – helping to remove a lot of unnecessary stress and uncertainty when that time comes. 

Peace of Mind:

Planning your own funeral in advance means your wishes will be honored.  By doing this, you can actually alleviate the stress of your loved ones frantically trying to plan what they think you would like to properly honor your memory.  In addition, it can also cut down on any family disagreements that could arise. Family members want to honor their loved ones, and if you can make your desires clear, it can really go a long way for the various parties involved with the execution of your funeral. This is also a great time to consider getting your will and other medical directives in place.  Make these tasks part of your Senior Financial Plan!

Don’t Stress About It: 

Heightened emotions, being unfamiliar with the funeral planning process, and having to assume the financial obligations can make planning a funeral very stressful.  Because of the decisions that need to be made – plus the fact that the death of a loved one is one of the biggest triggers of stress, depression, and anxiety – disagreements among family members are common during this time.  However, the reality is this time should be spent honoring the fond memories, and going through the grieving process. Pre-planning your funeral far in advance when you have the clarity and peace of mind to make decisions will make it so much easier for your loved ones, and is really the best gift you can give them.  

A well thought out funeral plan should include the basic services of the Funeral Director and staff, transportation to bring you into the care of the funeral home, dressing and casketing, cost for the memorial service, as well as the desired urns, caskets, and vaults.  Some of the variable costs would be for things such as flowers, various honorariums, death certificates and even burial expenses that would be assessed by the cemetery.  Most families are not aware that all of these costs are part of the funeral planning process and can be very stressful for the families to coordinate.  Adding these costs to your funeral plan will ensure these expenses will be covered and your family will not need to be responsible for these costs later on. 

Financial Security: 

I have seen many family members who have had to assume the financial obligation for a family member’s funeral expenses.  This could mean putting anywhere from $2,000 to over $10,000 on a personal credit card!  This could be life-changing for many families.  People assume life insurance will cover these expenses; but oftentimes policies are not large enough, or the children assume their parents had a policy in place, when this is not the case.  In reality, a life insurance policy is intended to cover the loss of a family member’s income as a result of the death. 

Sometimes, the wishes of the individual need to be altered because the family is not able to pay for the funeral. By pre-planning your funeral, you can cover most of these costs in advance. Setting aside the monetary resources beforehand that are needed to carry out your wishes can help remove one of the biggest financial stressors for people in times of grief.  Consider how the financial obligation of a funeral will impact your family and their own financial situation.

The time to start this advanced planning is not when you are in your 90’s.  I have seen too many families where their children are looking to get a pre-arrangement plan in place for their mother or father who is not in the best of heath and they are also going through the difficult decision of considering arrangements for alternative care.  Planning ahead when you are younger, (in your 60’s and 70’s), and when you are in better health allows you so many more options!  Oftentimes payment plans are available allowing you to have your plan paid in full within 5 to 7 years. 

Once the plan is in place, it helps to protect against inflation from funeral costs increasing over the years.  What paid for a traditional casketed funeral 17 years ago, will only cover a cremation service today, (and that is not including burial expenses). Having a plan in place will ensure your costs are locked in at today’s pricing, and your family will not be required to pay the difference at the time of need – even as funeral costs go up each year. 

To learn more about how you can start the pre-planning process, please reach out to me and I would be glad to assist! 

You can also learn more about the benefits to pre-arrangement planning by clicking here.

from Trisha Ball | Business

How Does Cryotherapy Impact Your Heart?

Heart Rate


Recent studies have shown that cryotherapy has a healthy and positive effect on heart rate variability, also known as HRV. These studies showed that the majority of cryotherapy patients experienced this benefit and ended up with an HRV that is indicative of someone that has good cardiovascular health.

What is Heart Rate Variability?

Heart rate variability is the pause that takes place between each heartbeat. A healthy heart will have a varying pause that is not the same length of time. Healthier hearts have been proven to possess a far greater variability of this heartbeat pause duration, while unhealthy or diseased hearts show a much less varied heartbeat pause rate. As a general rule, the less HRV variability, the worse your cardiovascular health is. The greater your HRV, the better your cardiovascular shape is. HRV is hugely responsible for regulating blood pressure, your breathing rate, and even your digestion, hence it is a significant physical marker for overall health.

How Does Cryotherapy Improve Your HRV?

One of the core physical responses to cryotherapy is increased autonomic nervous system activity. The autonomic nervous system is highly responsible for regulating the HRV, and it is thought that by repeatedly stimulating it with cryotherapy, it exercises the neuropathways. By constantly firing these neuropathways within the autonomic nervous system, they become more active in general and tend to have a slightly faster firing rate than they would otherwise have.

How Long Does The HRV Improvement Last For?

Recent research into cryotherapy and heart rate variability improvements have concluded that just five cryotherapy sessions can create HRV improvements that can last up to 3 months. Patients that use cryotherapy frequently have shown to get such a high level of autonomic nervous system stimulation that their HRV will slowly take on the rate of a highly trained athlete. Now that it is known conclusively that cryotherapy can positively benefit HRV, cardiologists around the globe are racing to discover additional ways that cryotherapy can be used in a wide range of heart and cardiovascular therapies.

from Trisha Ball | Healthcare

Finding the Best Employees in a Competitive Job Market

Job Search

There are countless sources to advertise for jobs and find employees. Finding the most qualified ones is the hardest task. Here are several tips to help any employer in narrowing down the choices.

Look for the Most Qualified Candidates

There’s a saying that it’s important to “work smarter and not harder.” This saying applies to anyone who wants to find the best employees. Posting job ads on dozens of different employment sites is not necessary. Find the best-qualified workers on one or two high-quality websites is the wiser option.

Offer Benefits and Rewards

Most employers who hire full-time employees provide a list of benefits that they’ll receive upon being hired. Many employees only look for jobs that offer employee benefits like health insurance, retirement plans, sick or vacation days, and tuition reimbursement.

Employers should also offer rewards, such as annual bonuses, to retain their employees. Some reward systems are based on work performances, so the top performing employees receive the most rewards. There are also non-cash awards like Employee of the month or the addition of free sick or vacation days.

Evaluate the Candidate’s Personality

Although a candidate’s education and work experience are important, also consider his or her personal qualifications. Some personal skills directly tie into the job requirements. To work as a teacher, one needs exceptional social and communication skills to connect well with the students. Someone who is introverted and soft-spoken is more qualified to work in an office or laboratory. It’s important for every employer to evaluate how well a person will work and interact with other people on the job.

Today’s employers cannot survive without the help of the Internet. It helps to start there to find employees with the highest qualifications. It also helps to look for the right mix of education, experience, and personal qualities. In a competitive job market, thousands of people will be applying for the same jobs, so it’s necessary to narrow down the selections to the right ones only.

from Trisha Ball | Business

Benefits of Physical Therapy for Arthritis Sufferers


If you or a loved one suffers from the chronic ailment known as arthritis or rheumatoid arthritis, then you might be pleased to know that physical therapy can greatly benefit you. Medical researchers continue to discover year after year just how far reaching the positive results can be for arthritis suffers that perform routine physical therapy. By strengthening your muscles, tendons, and ligaments, you can actually take the pressure off of arthritic joints and vastly improve your range of motion.

How Often Should Arthritis Suffers Undergo Physical Therapy?

The amount of time that you should spend undergoing physical therapy to treat arthritis depends solely on how severe your arthritis is. Individuals that have severe arthritis that may lead to joint replacement could particularly benefit from year-round physical therapy. Some research has concluded that year-round or regular physical therapy for people living with severe arthritis can actually reverse some of the damage caused by the disease and put off the need to get joint replacement surgery by up to a decade.

If you have light arthritis, then it would be ideal for you to engage in physical therapy at least several times a year. People living with light arthritis that perform regular physical therapy can, in some cases, maintain their joint health and remove their need to get joint replacement surgery years later.

Why is Physical Therapy so Effective at Benefiting Arthritis?

There is a list of reasons why physical therapy can significantly benefit anyone who has arthritis. The first is the apparent range of motion increase that comes with strengthening the muscles and other soft tissues that surround afflicted joints. By increasing the range of motion and strengthing your soft tissues, your joints will be held in the correct position much more effectively, which in turn will greatly reduce the amount of pressure that is continuously being placed on them.

The other reason that physical therapy is so great for arthritis is that it substantially increases blood flow to the affected joints which helps to increase healing by bringing more immune response cells into the afflicted arthritic tissues.

from Trisha Ball | Healthcare

HR Can Use Data Analytics to Optimize Employee Benefits

Data Anlytics

Data Analytics techniques have been embraced by sales and marketing departments of companies to help improve their bottom line and marketing campaigns. Employee hiring has also significantly benefited from using data analytics. But the employee benefits administration function of HR has mostly been sluggish to adopt them.

Why is HR Slow to Adopt Data Analytics?

The main reasons for the slow adoption by HR are legacy practices and resistance to a deeper understanding of employees’ needs.

Third party hiring agencies are not constrained by the cultural norms and practices of the hiring companies, so they have utilized analytical techniques to maximize their revenue. But when it comes to managing benefits, companies have primarily stayed with tracking employees’ behavior through spreadsheets and other tabular data documents. Since these tracking documents vary from company to company, they have not been amenable to standard data analysis techniques.

Predictive analytics requires the utilization of more in-depth data. So it is not sufficient to know overall statistics like how many employees sign up for a particular benefit like child care. It is important to know the specific needs of each employee so that the company can offer benefits that have the greatest appeal and utilization. For example, with the rise in childhood anxiety disorders as reported by the National Institute of Mental Health, it would make sense for companies to consider offering benefits that address childhood anxiety disorders. But companies need to collect deeper data about their employees to be able to do this.

Bringing Data Analytics to HR Benefits

The critical component of analytics is data, so HR needs to emphasize data collection with benefits vendors. Historical data can be gleaned from existing vendors, but they should be incentivized to collect all the data that HR needs. Benefit vendor performance must be measured using KPIs. When hiring new vendors, their data collection and analysis capabilities should be a key criterion in selecting them. They should be able to provide data for all areas of benefit like medical, pharmaceutical, worker’s compensation, and FMLA requests.

A benefits program fine-tuned through data analytic techniques will lead to higher employee satisfaction and retention.

from Trisha Ball | Business

Generate Loyalty Among Your Staff

Employee Loyalty

Today’s technology-savvy world is helping people find work through online portals, and more people these days are becoming satisfied with finding work at home jobs. It’s becoming harder to keep employees inside corporate offices. According to a recent article, the loyalty that employees have for their employers is at an all-time low. In a recent article from Inc., seven ways for employers to gain loyalty from their employees were identified. The article does a great job at explaining these seven ways to keep employees, but we only have time to discuss a few of them here today.

Find A Way to Show Them You Care

Having a good relationship with your employees requires conscious effort like any other relationship. Employers who spend time thinking of new ways to delight their employees will have an easier time retaining loyal workers. The Inc. article commented about money not being the main reason that employees stay at a job. Sometimes there are better reasons to stay at a particular job besides doing it for the money. Some jobs are more satisfying than others, which is something the employer can help the employee find. Helping your employees find satisfaction in their work and sharing meaningful conversations with your employees might be enough to win over loyal admiration from them.

Other ways to bring loyalty to the hearts and minds of your employees is to introduce fun games to help people relax. You might try to make the games relate to their job. For example, if you’re running a sales department, you might have a contest to see who can say their pitch the fastest. The article mentioned using games to help your employees engage in playful activities. You can try to make the workplace a fun environment that invites creativity and conversation between employees. Encouraging your staff to talk to each other using their smartphones and other technology is another great way to get people to enjoy being at work.

One final suggestion for improving loyalty is to give recognition to each employee when he or she is fantastic.

from Trisha Ball | Business

When To Use Cryotherapy


If you have never heard of cryotherapy, it is a state of the art therapy method that involves exposing part or all of the body to extremely cold temperatures. The therapy triggers a strong immune system reaction from the body that can help aid and speed up all types of healing.

Cryotherapy is quickly becoming one of the leading athletic recovery therapies on the planet. In fact, some athletes even use it daily as it is so effective at reducing muscle aches, reducing swelling, and aiding in healing any other sports-related ailments. A significant question that prospective cryotherapy patients are interested in knowing is when the best time to use the powerful healing method is?

When to Use Cryotherapy as an Athlete

Many of the leading professional athletes believe that the best time to use cryotherapy is first the thing during the next morning after a hard workout. Experts do not believe that you should use cryotherapy directly after a workout, as studies have shown that doing so can cause your muscles to heal too rapidly and actually inhibit them from swelling, one of the ways in which they become bigger and strong after exercise.

Resist the Urge to Use Cryotherapy Directly After Exercising

Anyone that works out extremely hard knows just how great cryotherapy feels directly after the workout is over. It wasn’t until recently, however, that experts began to notice that cryotherapy can greatly inhibit muscle growth and strength gains if it is used too quickly during the post-workout period. Doctors also have some concern that experiencing cryotherapy when the body is very hot, swollen, and full of blood from a workout, that you can actually increase the risks of a cardiovascular rupture due to the extreme contraction that cold temperatures will induce throughout your circulatory system. For preventive health reasons and the inhibition of muscle gains, you would be strongly advised to follow the expert’s advice on this matter and stick to what the pros are doing.

from Trisha Ball | Healthcare

What Goes Wrong with Workplace Wellness Programs?

Workplace Wellness
Wellness programs can be an excellent choice for many businesses. However, a poorly implemented wellness program can be more harmful than no program at all. The following guide explores common issues associated with workplace wellness programs.

When setting up a workplace wellness program, it’s essential to make sure that you avoid forcing anyone into an activity they don’t want to do. While it’s fine to offer incentives to participate in these types of programs, they should never be mandatory for employees. Since some older and disabled employees may have difficulties with some types of wellness activities, they may feel discriminated against with some workplace programs. Participation in these activities shouldn’t be directly tied to compensation.

That said, some things can be done that will reduce company costs. If a company has a health insurance plan that covers all its employees, consider adding an annual preventive checkup. Many insurance companies will offer discounted premiums if employees are willing to undergo at least one screening each year. These screenings are designed to detect chronic and undiagnosed disease at an early stage. By catching an illness at an early stage, it can be treated at a lower cost. If employees wait until they are very sick, the costs of care can end up being extremely high. If you implement a program like this, it’s important to make sure that all employee health records are kept private. Just like the medical records at a traditional physician’s office, this information is protected under HIPAA guidelines. Disclosing protected health information can have serious consequences for a business.

Most important of all, don’t make employees feel like they’re being excluded with any type of wellness program. Always work to make sure that everyone is included. If you’re setting up a retreat for your employees, make sure there are options available for those with less mobility or health problems. By making your workplace more inclusive, you’ll be able to improve employee morale significantly.

from Trisha Ball | Healthcare

These Employee Benefits Not That Beneficial

Employee Of The Month

If you’re considering taking a job that is offering you a range of benefits in addition to a salary, then you should be aware of the fact that some employee benefits aren’t actually beneficial at all. Some benefits offered by companies, especially those listed in job recruitment ads, are actually mere gimmicks if you investigate them more closely. While these gimmicky benefits might attract job applicants that aren’t actually paying attention, they usually end up lowering employee morale in the long term and eventually end up hurting the company that offered them.

The Top 4 Benefits That Are Not Beneficial At All

  1. Unlimited Vacation – Studies have shown that companies that offer their employees unlimited vacation time aren’t genuinely being honest about what they actually give you. Studies have been shown repeatedly that employees actually take less than average vacation time in companies that offer up unlimited vacation time.
  2. Wellness Programs – Companies that offer wellness benefits to their employees are quickly becoming the laughing stock of the corporate world. All of the recent studies about this supposed benefit have concluded that wellness programs offer employees absolutely nothing at all, as no one wants to spend their free time working out at the company gym or having a motivational talk with a work-sponsored wellness guru.
  3. Employee of the Month – Consider yourself blessed beyond words. You were not only offered a sub-par stale deli cake, thoroughly embarrassed in front of all of your coworkers, but you also had your photo hung on the wall. Employee of the month has been rated as a joke benefit that most employees would much prefer to do without.
  4. Ridiculous Titles – Referring to the company janitor as the “Head of Sanitary Maintenance” or “Bathroom Sanitation Expert” isn’t going to help them feel any better about their job or themselves. Silly overblown labels that no one takes seriously make a mockery of less than ideal job positions.

Avoid offering these lackluster so-called benefits and provide your employees with valuable and wanted benefits.

from Trisha Ball | Business

Why Businesses Should Offer Training for Employees


Every year, millions of employees across the United States receive training from their employers. Job training can be a great way to improve the skill set of your employees. In addition to making them a more valuable asset for your company, they can also be a great way to improve employee morale. The following guide explores why businesses should offer training for employees.

When an employee starts at a company, they may not have a lot of experience in their respective fields. For companies that hire directly out of college, this can be particularly true. While college graduates may have done well at their classes, they lack the real world experience that’s needed for success on the job. In these situations, job training can be a great way to improve their skills and give them a sense of loyalty to a company.

When you treat employees as an asset, they will treat a company with more respect. The more benefits that an employee has while working at a company, the more likely they’ll be willing to stay at that company for an extended period of time.

Nobody wants to feel that their career is stagnating. For many professionals, it’s easy to end up in a job position where you feel like you’re just treading water all the time. By investing in your employees, you’ll give them the sense that a company truly cares about their future development. It will provide them with a path towards career growth at a company.

In addition, businesses can target specific skills when it comes to job training. Many companies have jobs that require a unique set of skills. By developing niche skills in an employee, you can help tie them to your company. Since these skills may not carry over to other jobs very easily, employees may not be very willing to leave a company for opportunities in different places. This can be a great way to improve employee retention at a business.

from Trisha Ball | Business