How businesses can improve risk management and build long-term stability

Businesses across Illinois continue to face economic uncertainty, workforce challenges, and evolving regulations that can impact daily operations. Experts say firms that adopt stronger risk management strategies can improve stability, strengthen employee confidence, and better prepare for future disruptions.

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by Casey Cartwright
Contributing Writer

Across Illinois communities, businesses continue to balance the pursuit of growth with environments shaped by uncertainty, evolving regulations, and shifting workforce expectations. From small service providers to larger regional employers, firms must navigate risks that extend beyond internal decision-making and into broader economic and social conditions.

These realities make it increasingly important for business leaders to adopt a more deliberate and structured approach to identifying and managing potential challenges before they escalate. Companies that embrace risk management strategies often discover that these efforts lead to more stable operations, improved employee confidence, and greater trust within their communities.

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Photo: TIMO/PEXELS

For some business, bad weather can sometimes disrupt operations, forcing the business and its employees to suffer financially from the loss of income.

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Recognize Your Local Risk Factors

Every business operates within a distinct local environment where regional conditions, infrastructure, and economic trends shape daily operations and long-term planning decisions in meaningful ways. In Illinois, factors such as seasonal weather patterns, transportation networks, and labor availability can introduce variables that directly affect productivity and safety. Taking the time to understand these influences allows firms to anticipate potential disruptions rather than simply reacting to them after the fact.

Leaders who actively evaluate their surroundings often gain a clearer understanding of how external conditions intersect with their internal processes. This can help them uncover vulnerabilities that may otherwise go unnoticed.

For example, they may examine how supply chain delays could impact customer commitments or how workforce shortages could affect service delivery. By identifying these connections early, businesses can begin to develop targeted responses that reduce risk exposure.

Establish Clear Internal Policies

Another way to enhance your firm’s risk management is to establish clear, comprehensive internal policies that set expectations for safety, compliance, and operational conduct across all levels of the organization. When employees understand their roles and responsibilities, they can contribute more effectively to a stable and predictable work environment. This clarity reduces the likelihood of misunderstandings that can lead to preventable incidents.

Consistency across departments also plays a critical role in reinforcing these policies, as uniform standards help create a cohesive operational structure that minimizes variability in how employees perform tasks. When all teams adhere to the same guidelines, the organization benefits from greater predictability and control. This alignment ultimately strengthens the firm’s ability to manage risk effectively.

Assess Your Financial Vulnerabilities

Financial risk represents a critical dimension of overall risk management, encompassing both predictable expenses and unexpected events that can disrupt a firm’s stability. Businesses that take a comprehensive approach to evaluating their financial exposure can better navigate challenges without compromising their long-term goals. This process involves examining everything from operational costs to potential liabilities.

For example, companies with fleets should examine how accidents can affect commercial automobile premiums. In addition to insurance, contingency planning provides an added layer of protection by preparing businesses for scenarios that existing policies may not fully cover.

Establishing financial reserves and identifying alternative resources allows organizations to maintain operations during periods of disruption. This preparation contributes to greater resilience and confidence in the face of uncertainty.

Use Data To Identify Trends

The growing availability of data has transformed how businesses approach risk management, offering new opportunities to identify patterns and make more informed, evidence-based decisions rather than relying on assumptions. By tracking incidents, operational disruptions, and performance metrics, companies can gain a clearer understanding of where risks are most likely to occur. This insight enables more targeted interventions.

Analyzing trends over time allows organizations to move beyond reactive responses and address the underlying causes of recurring issues, leading to more sustainable improvements. For example, identifying patterns in workplace incidents may reveal specific conditions or behaviors that require attention. Addressing these root causes reduces the likelihood of future occurrences.

Strengthen Your Communication Channels

Effective communication is a cornerstone of successful risk management, ensuring that information flows freely among employees, managers, and leadership to support timely decision-making. When individuals feel comfortable sharing concerns or observations, organizations are better positioned to address potential risks before they develop into serious issues. This openness fosters a culture of collaboration.

Leadership plays a significant role in shaping communication practices by setting expectations for transparency and responsiveness in daily operations. Managers who actively encourage dialogue and listen to employee feedback create an environment where they can address concerns constructively. This approach helps build trust within the organization.

Engage Local and Industry Resources

Businesses do not operate in isolation, and many benefit from engaging with local organizations and industry groups that offer guidance, resources, and support related to risk management. Chambers of commerce, trade associations, and public agencies often provide valuable information that can help firms navigate complex challenges. These connections expand access to expertise.

Collaboration within the business community allows organizations to share experiences and learn from one another, creating opportunities for collective problem-solving that benefits the broader region. By participating in these networks, firms can gain insights into best practices and emerging trends. This shared knowledge strengthens overall resilience.

Prepare for Regulatory Shifts

Regulatory requirements continue to evolve across industries, reflecting changes in public policy, safety standards, and economic priorities that can significantly impact how businesses operate. Companies that remain attentive to these developments are better equipped to maintain compliance and avoid disruptions. However, this vigilance requires ongoing effort.

Proactive preparation involves reviewing existing policies and procedures in anticipation of new regulations, allowing businesses to make adjustments before changes take effect. This approach reduces the likelihood of last-minute challenges and demonstrates a commitment to responsible operations. It also helps build credibility with regulators and stakeholders.

Invest in Employee Training

Employee training represents a fundamental component of effective risk management, as well-informed workers are better equipped to recognize and respond to potential hazards in their daily activities. Regular training sessions reinforce key principles related to safety, compliance, and best practices. This ongoing education supports consistency.

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Pavel Danilyuk/PEXELS

Risk management is not a one-time effort but an ongoing process. Employee training represents a fundamental component of effective risk management. Regular workplace seminars help mitigate losses due to poor employee training and enhances production.

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Your training programs should evolve alongside the business by incorporating new technologies, updating procedures, and educating workers about emerging risks that may affect your operations. By keeping content relevant and engaging, organizations ensure that employees remain attentive and prepared. This adaptability enhances the effectiveness of training efforts.

Review and Improve Your Strategies Continuously

Risk management is not a one-time effort but an ongoing process that requires regular evaluation and adjustment to remain effective in a changing environment. Businesses that commit to continuous improvement are more likely to identify weaknesses and address them before they lead to significant problems. This proactive mindset supports resilience.

Tracking performance indicators, such as incident rates, financial outcomes, and employee feedback, provides valuable insight into how well current strategies are working. These metrics allow organizations to measure progress and identify areas for refinement. Data-driven adjustments lead to more effective outcomes.

Enhancing a firm’s approach to risk management requires a thoughtful combination of planning, communication, and continuous learning that extends beyond individual policies and into the organization's broader culture. Businesses that invest in these efforts reduce their exposure to potential challenges and create environments where employees and stakeholders feel more secure. This stability will strengthen your operations and allow you to experience more reliable outcomes.

Casey Cartwright is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

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TAGS: Illinois business risk management, improving workplace safety strategies, financial planning for businesses, reducing operational risk exposure, employee training and compliance

Budgeting tips every first-time office renter should know

Renting your first office space involves more than just paying monthly rent. Hidden costs like utilities, insurance and maintenance can quickly add up. Proper budgeting helps prevent financial strain and supports long-term business growth.

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Photo: CoWomen/Unsplash

Choosing the right office space requires planning for both current needs and future growth. From utilities to build-outs, smart budgeting is key to office success while avoiding hidden costs that can quickly add up when leasing office space.

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by Casey Cartwright
Contributing Writer

Renting your first office space is an exciting milestone. It signals growth, professionalism, and a commitment to building your brand. However, it also introduces new financial responsibilities that can quickly strain your budget if you’re unprepared. Beyond the monthly rent, there are numerous expenses that first-time office renters often overlook.

Creating a realistic, well-planned budget ensures your new workspace supports your business goals instead of becoming a financial burden. If you’re fretting over finances, then consider some important budgeting tips for first-time office renters to help eliminate some stress.

Understand the True Cost of Rent

The base rent is only part of the equation. Many commercial leases include additional charges such as common area maintenance fees, property taxes, insurance, and utilities. These expenses can significantly increase your monthly obligation.

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First-time renters are often surprised by the significant upfront costs ...

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Before signing a lease, ask for a full breakdown of all recurring costs. Clarify whether the lease is gross, modified gross, or triple net, as each structure determines how expenses are divided between tenant and landlord. Understanding these terms will help you accurately estimate your monthly commitment and avoid surprises.

It’s also wise to calculate what percentage of your business revenue will go toward rent. A common guideline is to keep occupancy costs between 5 and 10 percent of gross revenue, though this varies by industry. The key is ensuring your rent supports growth rather than limiting it.

Plan for Upfront Expenses

First-time renters are often surprised by the significant upfront costs required to secure office space. In addition to the security deposit, you may need to pay the first and last month’s rent. Some landlords also require additional deposits if your business is new or lacks an established credit history.

Beyond lease-related payments, you should budget for moving costs, furniture purchases, signage, and technology installation. Internet setup, phone systems, and IT infrastructure can add up quickly. Even small details such as key cards, access systems, and cleaning services require financial planning.

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ongoing expenses may seem minor individually, but together they can significantly impact your bottom line.

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By setting aside funds for these initial expenses, you prevent cash flow disruptions during the transition period.

Account for Utilities and Operating Costs

Utilities are a major part of your monthly operating expenses. Electricity, water, heating, cooling, and internet service must be factored into your budget. Depending on your lease agreement, some of these may be included, while others will be your responsibility.

Energy usage can vary based on office size, equipment needs, and hours of operation. A tech startup running multiple servers will have different utility costs than a consulting firm with minimal equipment. Request average utility estimates from the landlord or previous tenants to create a more accurate projection.

Routine operating costs also include janitorial services, maintenance, office supplies, and breakroom essentials. These ongoing expenses may seem minor individually, but together they can significantly impact your bottom line.

Budget for Office Build-Outs and Customization

Your new office space may not be move-in ready. Many commercial spaces require build-outs to suit your business needs. This could include installing partitions, painting walls, upgrading lighting, or reconfiguring layouts.

While some landlords offer tenant improvement allowances, these funds may not cover all customization costs. Make sure you understand what improvements are included and what expenses fall to you.

Work with contractors to get accurate estimates before committing to renovations. It’s also wise to include a contingency fund of at least 10 to 15 percent for unexpected construction costs. Careful planning prevents budget overruns that can delay your opening.

Factor in Insurance Requirements

Commercial leases typically require tenants to carry specific types of insurance. General liability insurance is standard, but you may also need property insurance, business interruption coverage, or workers’ compensation insurance.

Insurance premiums vary depending on your industry, office size, and coverage limits. Get quotes early in the leasing process so you can incorporate these costs into your financial planning. Skipping this step can lead to last-minute surprises that strain your startup budget.

Navigating insurance can be a daunting task in and of itself, so it’s critical for inexperienced office renters to know what to expect and how to make the process as streamlined as possible.

Prepare for Technology and Equipment Investments

A functional office depends on reliable technology. Computers, printers, servers, software licenses, and security systems are essential for daily operations. If you’re transitioning from a home office, you may need to upgrade equipment to support a larger team.

Budget not only for the initial purchase of technology but also for ongoing maintenance, software subscriptions, and cybersecurity measures. Many businesses underestimate the recurring nature of tech expenses.

Planning for these investments ensures your team can operate efficiently without unexpected interruptions.

Consider Parking and Accessibility Costs

Parking may not be included in your base rent. Some office buildings charge monthly parking fees for employees and visitors. If parking is limited, you may need to rent additional spaces nearby.

Accessibility improvements could also require funding. Depending on local regulations, you may need to make modifications to ensure compliance with accessibility standards. While some buildings already meet these requirements, others may require updates.

Evaluating these factors ahead of time helps you avoid hidden costs that impact your overall budget.

Build a Cushion for Growth

One of the biggest mistakes first-time office renters make is choosing a space that perfectly fits their current needs without considering future expansion. If your business grows faster than expected, relocating again can be costly.

While you don’t want to overextend your finances, consider leasing a space that allows for moderate growth. Alternatively, negotiate flexible lease terms or expansion options within the building.

Financially, it’s smart to maintain a reserve fund covering at least three to six months of rent and operating expenses. This cushion protects your business during slow periods or unexpected challenges.

Negotiate Lease Terms Carefully

Many first-time renters assume lease terms are non-negotiable, but commercial leases often provide room for discussion. You may be able to negotiate rent increases, renewal options, tenant improvement allowances, or even a few months of reduced rent during your build-out period.

Consulting a commercial real estate broker or attorney can help you identify opportunities to reduce costs and avoid unfavorable terms. While professional assistance comes with its own expense, it can save you money in the long run.

Careful negotiation ensures you’re not overpaying or committing to terms that strain your financial resources.

Monitor and Adjust Your Budget Regularly

Budgeting doesn’t end once you sign the lease. Regularly review your actual expenses against your projections to ensure you’re staying on track. If utility costs are higher than expected or maintenance expenses increase, adjust accordingly.

Tracking expenses helps you identify patterns and areas for cost savings. For example, energy-efficient lighting or renegotiating service contracts may reduce monthly overhead.

Consistent financial monitoring allows you to make informed decisions and maintain stability as your business grows.

Find Your Perfect Space

Renting your first office space is a major step forward for your business, but it requires thoughtful financial planning. By understanding the full cost of rent, preparing for upfront expenses, and accounting for ongoing operating costs, you set yourself up for success.

Budgeting for customization, insurance, technology, and future growth ensures your workspace supports your long-term goals. With careful preparation and regular financial oversight, your new office can become a productive, sustainable foundation for your business’s next chapter.

Casey Cartwright is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

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TAGS: budgeting tips for first time office renters, hidden costs of renting office space, commercial lease expenses explained, small business office budget planning guide, how to afford your first office space

Chlebek pitches federal tax holiday aimed at boosting Illinois small businesses

The Small Business Tax Freedom Plan would apply to new companies earning under $5 million annually. It features simplified annual filing, reinvestment incentives and partnerships with states that streamline start-up regulations.

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PARK RIDGE - U.S. Senate candidate Casey Chlebek is calling for a five-year federal income tax holiday for new small businesses, a proposal he says would help revive struggling local economies and ease the financial pressure on first-time entrepreneurs across Illinois. The plan was released Monday as part of Pillar Five of his MAGNA Agenda, a platform he describes as focused on restoring economic opportunity.

The proposal, called the Small Business Tax Freedom Plan, would eliminate federal income taxes for newly registered small businesses earning less than $5 million annually during their first five taxable years. Start-ups launched in high-poverty ZIP codes, rural distressed counties, Opportunity Zones and other underserved areas would qualify for an automatic extension to seven years.

“Small businesses don’t need another handout—they need Washington to get out of the way,” Chlebek said in the announcement. “If you have the courage to start something in this country, the government shouldn’t punish you for trying.”

Chlebek pointed to what he called a steep loss of Illinois small businesses since 2020, citing figures showing the state has shed more than 63,000 during that period. He said the trend continues to hit communities from Peoria to Rockford and throughout southern Illinois, where residents tell him they want to work and invest but can’t afford the costs of starting a business.

Key components of the plan include a simplified one-page annual federal filing, a tax credit for owners who reinvest early profits into hiring or expansion, and matching grants for states and counties that lower fees or streamline permitting. The campaign said revenue caps and ownership rules would prevent corporations, subsidiaries and major chains from accessing the program.

According to independent estimates referenced by the campaign, early-stage tax relief of this kind could stimulate between $85 billion and $100 billion in annual economic activity nationwide. Those estimates also project the potential for 300,000 to 450,000 new jobs and renewed growth in rural towns, main street corridors and immigrant-owned business districts.

“People want to work, build and contribute—but the cost of opening a business has become impossible,” Chlebek said. “My plan unleashes local entrepreneurship and puts opportunity back into the hands of ordinary Americans.”

The tax-holiday proposal fits into a broader set of economic ideas within Chlebek’s MAGNA Agenda. Other elements include eliminating federal taxation of Social Security benefits and retirement income, abolishing property taxes through federal-state partnerships, offering no federal taxes for Americans under 23 and providing free prescription drugs for seniors, disabled residents and veterans.

Chlebek often ties his economic message to his own background as an immigrant from Poland, saying he arrived during the Cold War with limited resources and a belief in the American Dream. In the announcement, he said his proposal is designed to give today’s entrepreneurs the same opportunity.

“Entrepreneurs are not asking for special treatment—just a fair chance,” he said. “My plan gives them that chance.”

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TAGS: federal tax relief plan for new Illinois small businesses, Casey Chlebek small business tax holiday proposal, Illinois entrepreneurship support under MAGNA Agenda, seven-year tax holiday incentives for underserved communities, economic growth plan for start-ups in high-poverty Illinois areas

What to look for in a custom trailer supplier

A custom trailer is only as good as the steel and components used to build it. Manufacturers cutting corners to offer a lower price often do so by utilizing inferior materials.

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Photo: Erik Mclean/PEXELS

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by Casey Cartwright
Contributing Writer

For many business owners, contractors, and outdoor enthusiasts across the state, a trailer is a necessary tool of the trade. Whether hauling landscaping equipment to a job site in the suburbs, transporting livestock to the county fair, or packing up ATVs for a weekend trip, the reliability of that trailer directly influences livelihood and leisure.

When standard, off-the-lot models fail to meet specific hauling needs, a custom trailer often becomes the most logical solution. However, commissioning a custom build requires more than just knowing what dimensions you need. It requires finding a manufacturer capable of translating those specifications into a road-worthy reality. It’s important to know exactly what to look for in a custom trailer supplier so that the partnership is reliable no matter where the journey takes you.

Does the Supplier Have a Proven Track Record?

In an industry where safety is paramount, experience matters. A supplier with a long-standing history in the community often brings a level of expertise that newer operations have yet to acquire. Longevity in business suggests a company has weathered economic shifts and consistently satisfied customers well enough to keep the doors open.

When evaluating a potential trailer supplier, look for evidence of their past work. A reputable custom builder will readily showcase a portfolio of completed projects. This shouldn’t just be a digital gallery of pristine, unused trailers. Look for testimonials or case studies from clients who have put those trailers to work over several years.

Local reputation carries significant weight. In many towns, word travels fast at high school football games or town council meetings. If a local landscaping company or construction firm relies on a specific supplier for their fleet, that endorsement speaks volumes. A supplier deeply rooted in the community has a vested interest in maintaining their standing, knowing that poor workmanship will quickly become common knowledge.

What Engineering and Design Capabilities Do They Offer?

Photo: Hugo Breyer/Unsplash

True customization goes beyond adding a few tie-down points or changing the paint color. It involves structural engineering tailored to specific load requirements. The right supplier must demonstrate a thorough understanding of weight distribution, axle placement, and frame integrity.

During initial consultations, pay attention to how the design team approaches your request. Do they simply take your order, or do they offer professional insight? A high-quality supplier acts as a consultant. They should analyze what you intend to haul and suggest design elements that enhance safety and functionality.

Do They Prioritize High-Quality Materials?

A custom trailer is only as good as the steel and components used to build it. Manufacturers cutting corners to offer a lower price often do so by utilizing inferior materials. This can lead to premature rusting, frame fatigue, and component failure.

Inquire about the sourcing of their steel. Domestic steel often meets higher quality standards regarding strength and consistency compared to some imported alternatives. Furthermore, ask about the thickness (gauge) of the metal used in the frame and flooring. A supplier committed to durability will be transparent about these specifications.

Beyond the frame, the quality of components—axles, tires, lights, and couplers—matters immensely. Reputable suppliers use components from established brands with recognized warranties. If a supplier uses generic, unbranded parts to save money, it often signals a lack of concern for long-term reliability.

You should feel empowered to ask questions before buying from a trailer store about the specific brands of axles and tires they install. A trustworthy builder will explain why they chose those specific components for your build.

How Comprehensive Is Their Warranty and Support?

Even with the best engineering and materials, issues can arise. A robust warranty serves as the manufacturer’s pledge of confidence in their workmanship. When reviewing warranty terms, look beyond the duration. Carefully examine what the warranty actually covers.

Does the warranty cover just the frame, or does it extend to the electrical system and paint? How does the supplier handle warranty claims? A warranty is useless if the claims process is intentionally difficult or if the supplier requires you to ship the trailer to a distant facility for repairs.

Are They Compliant With Safety Regulations?

Trailer manufacturing is subject to federal and state safety regulations. A custom trailer must meet specific standards regarding lighting, braking systems, and weight ratings. A supplier who treats these regulations as suggestions rather than mandates puts you at risk of fines and liability.

Make sure the manufacturer adheres to standards set by the National Association of Trailer Manufacturers (NATM) or similar governing bodies. Compliance with these standards indicates that the manufacturer follows best practices for safety and construction. The trailer should come with a clearly marked VIN (Vehicle Identification Number) plate that lists the Gross Vehicle Weight Rating (GVWR) and other critical safety data.

Evaluating Communication and Transparency

The process of building a custom trailer takes time. From the initial design phase to the final weld, clear communication keeps the project on track. Evaluate how responsive the supplier is during the inquiry stage. Do they return calls promptly? Are they willing to explain technical details in plain language?

Transparency regarding pricing and timelines is essential. Custom projects can encounter delays due to supply chain issues or design changes. A good supplier communicates these potential hurdles upfront and keeps you informed throughout the build process.

Making the Final Decision

Ultimately, choosing a custom trailer supplier involves weighing various factors against your specific needs and budget. It’s rarely the best strategy to simply choose the lowest bid. In the world of custom fabrication, a significantly lower price often reflects what was left out of the build rather than efficiency.

Consider creating a checklist when visiting potential suppliers:

• Facility Organization: Is the shop floor clean and organized? This often reflects attention to detail in their work.
• Inventory Quality: Look at the trailers currently in production. Check weld quality—welds should be smooth and consistent, not porous or messy.
• Staff Knowledge: Speak with the fabricators or the shop foreman, not just the salesperson. Their knowledge and attitude can tell you a lot about the company culture.
• Reference Checks: Call the references they provide. Ask specific questions about how the trailer has held up over time and how the supplier handled any issues.
• Detailed Quotes: Make sure the written quote includes every specification discussed, from axle capacity to paint type.

You protect your investment by taking a methodical approach. A custom trailer should be a solution that enhances your work or recreation for years to come. Finding a supplier who values craftsmanship, safety, and community reputation ensures that when you hitch up and head down the highway, you do so with confidence.

Casey Cartwright is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

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Money Matters: How to avoid being overcharged for a funeral

Pavel Danilyuk/PEXELS

by Carson Kessler
ProPublica

For the funeral industry, the COVID-19 pandemic has meant flush times. Revenues have surged at Service Corporation International, the largest such chain in the U.S., with more than 1,500 funeral homes and 400 cemeteries. And “COVID impact,” according to a recent investor fact sheet, helped SCI more than double its earnings per share between 2019 and 2021.

Prices for funerals have always been steep. Funeral homes charged a median of $7,848 for a viewing and burial last year, according to the National Funeral Directors Association, and $6,970 for a cremation. Those costs don’t include the charges from cemeteries, which can add thousands more. ProPublica recently investigated one cemetery whose charges could run into the tens of thousands of dollars.

The federal government has done little to regulate the industry. Thirty-eight years ago, the Federal Trade Commission tiptoed into this realm, mandating that funeral homes disclose their prices. But cemeteries, some of which are overseen by states, were exempted from those rules. For two years now, the FTC has been conducting a rare review of its rules and examining a wide series of proposals, including extending its rules to cemeteries, requiring that prices be posted online, and disclosing that embalming is not legally required. Presented with a series of questions about the status and timing of the process, an FTC spokesperson would say only “the review is ongoing.”

Joshua Slocum, executive director of the Funeral Consumers Alliance, the only national consumer organization that monitors the funeral industry, has been advocating for changes to the FTC’s Funeral Rule for decades. Regardless of what the agency decides, Slocum wants consumers to know their rights, as well as have a few tips at their disposal when preparing to put a loved one to rest.

This conversation has been edited for length and clarity.

Many people might be surprised to know that at least part of the death industry is regulated. What is regulated and what isn’t?

Let’s talk about the federal [rules] because that’s most important to the basics of what people need to know. There’s something called the Funeral Rule, a regulation from the Federal Trade Commission, which gives consumers particular rights, and they would be very wise to exercise these rights.

One, they have a right to get price quotes by phone.

Number two, when they go to a funeral home in person to talk about a funeral arrangement, they have a right to a printed, itemized price list — think of it just like a menu at a restaurant.

Number three, they have a right to pick and choose item by item. Funeral homes are not allowed to offer you only a package. They will try to offer you a package and they will often say, “You save money if you buy everything together in a bundle.” But just like all bundles, you have to take a look and see, is this actually something I would have spent money on, on its own? Am I really saving money? Or am I just getting a bunch of things that I wouldn’t have picked anyway?

What are the first steps to take after a loved one’s death?

Number one, remember that death is not an emergency. When death occurs, by definition, that means the emergency is now over. The worst thing that can happen has already happened. The person isn’t going to get any deader, to put it plainly.

Get on the phone and call at least five different funeral homes within a 20- to 30-mile radius of where the dead person is. Get price quotes. Take the time to at least look it over and compare some of the prices before you commit to having the funeral home remove the body. If the person dies at a hospital, which is more common, you have more options. Ask the hospital if the body can stay in the morgue for a couple of days while you make a considered decision about which funeral home to call.

Two, take stock of your budget. You need to know that figure. Decide ahead of time what you can comfortably afford. And for God’s sake, please don’t do this: “Oh, money is no object. It’s my mother. She deserves the best,” and then three months from now, you’ve got a $15,000 bill that you can’t pay.

What happens when you comparison shop?

Anytime you pick five or six funeral homes, all within the same city or region, and you canvass them, you will find that there’s a price difference of thousands of dollars for exactly the same service all within a service area available to you. And you will not know this because the vast majority of people will say, “Oh, well, we just use our family’s funeral home.” And I will ask them, “Why is that the one you always go to?”

The bottom line is nobody has a family car dealer, nobody has a family utility company, nobody has a family anything else. They compare prices and services. The problem here is that because this is the death transaction, and it’s a transaction we’re only going to sign a check for on average once in our lives, we don’t have practice with it. And because it is the most emotional business transaction we will ever encounter, many make the mistake of thinking of the funeral home in the same emotional category that their church lives in. That’s a mistake. Your funeral home is not your minister. Your undertaker is not your counselor. Your undertaker is your car dealer for death. And I do not mean that in an insulting way. I mean it in a straightforward business way.

How did it come to be that funeral homes are governed by some federal regulation, but cemeteries aren’t?

The cemetery regulation is so poor that I consider it an unregulated industry, even if it is technically regulated under state law.

Cemeteries before the 20th century were never considered a capitalistic, profit-making venture. They were, either by law or by community consensus, conceived of as doing a public good, something closer to what the church does. So they were seen as nonprofit community service entities that weren’t subject to regular business regulation. That changed in the 20th century when it did become possible in many parts of the country to run a for-profit cemetery.

But the regulations never caught up. The same kinds of deceptive practices that were documented that led to the Funeral Rule have always been going on at cemeteries.

I think there’s very little chance that the FTC is going to bring cemeteries under the funeral rule this time around. We’ve tried many times. There are complicated reasons for it. One of the reasons is that many cemeteries in many states are organized under nonprofit corporation law. The FTC does not have jurisdiction over that, which is an actual genuine, systemic problem.

What kind of deceptive cemetery practices are you referring to?

The same things as what funeral homes did before the law changed. The FTC rule doesn’t apply to cemeteries, so they don’t have to give out a printed price list. They don’t have to let you pick a la carte. Many cemeteries get up to nonsense games, like if you don’t want to buy that cemetery’s headstone, they get sore that they’re not getting that profit out of you. So if you go to a third-party monument dealer, the cemetery will tack on what they will call an “inspection fee” that just happens to be the exact difference in cost that they lost if you didn’t buy their stone.

What has changed now for the FTC to consider amending the Funeral Rule and what needs to happen for some of these proposals to be implemented?

Well, the FTC needs to act. It’s been two years since the FTC announced that they were reviewing the rule, and a review means considering changes. I don’t have a lot of inside knowledge, but what I can say is in communicating with the staff, I believe that they are taking this issue seriously. I believe that they are seriously considering updating the rule to mandate online pricing for funeral homes.

The current federal regulations entitle you to a paper price list if you show up in person at the funeral home. We believe that funeral homes should have to post their prices on their website. But until they do, you are probably going to have to telephone shop.

Do many funeral homes post their prices online, even though it’s not legally required at this point?

We, the Funeral Consumers Alliance and our partner organization, Consumer Federation of America, have done two surveys on the rate of online price posting. We did one in 2018, sampling 25 cities. We found only 16% of funeral homes posted their price lists online. We just did a new version of the survey, which was greatly expanded to a sample size of 1,046 funeral homes in 35 different states, and we only found 18% of them posting their prices. So no, most funeral homes hide their prices online.

Do you think the industry’s profits from COVID-19 will affect the FTC’s decision?

I think our perception and reaction to COVID has played roles in most things. One of the things that was really unfortunate for funeral consumers is that COVID was exactly the period when an online price list would have been most helpful to grieving families and we didn’t have it. People were afraid to go into businesses in person, or there were actually state-based restrictions about transacting business in person. So a lot of people were making arrangements over the phone or in some long-distance way.

The big corporations, which own hundreds of funeral homes and cemeteries across the country, are opposing changes to the rule — what’s their stated reason? What’s your take?

Things like, “We believe that this is a very personal transaction, and we believe it’s most appropriate for the price discussion to be had in the traditional manner, and consumers aren’t shopping for price anyway, so there’s no need for this.” That’s what they say. It’s not complicated. It’s simply that they don’t want to be regulated. From my point of view, they have a very weak case. First of all, requiring online posting of price lists literally costs the funeral industry $0. Do you know what it costs them? It costs them the time it takes to click that button that says “upload PDF.”

More broadly, how have multibillion-dollar conglomerates like SCI changed the funeral industry?

Here’s the reality: They still only have about 12% of the funeral homes in this country. And that’s been pretty steady over 20 to 30 years. In some cities, places like Seattle, many cities in Florida, where there’s a heavy concentration of elderly people, then SCI has a much greater percentage of the market share. That is true. In those places, SCI particularly tends to be the highest-priced funeral home in any market. So if it matters to you, find out who owns your local funeral home. Just because it still says McGillicuddy on the sign doesn’t mean Mr. McGillicuddy still owns it.

Are there practical things that consumers can do to bring the cost of a funeral down?

The most cost-effective thing is to choose a funeral home that already has reasonable prices. Your choice of funeral home is the No. 1 driver of cost. Once you choose a funeral home, look carefully at their offerings and see how much of it you can afford that’s within your budget. Remember that you can shop a la carte. So if your budget says $2,000, you need to face reality. $2,000 is not going to buy you a traditional funeral with embalming, public viewing of the body, metal casket, graveyard burial. You are not going to get that for $2,000 anywhere in the United States. That means your choice is going to be something like simple cremation, even if that’s not your favorite. People have to be realistic.

Is price negotiation ever an option? How would that work?

Yes, just the same way you would do it with any other business that you were negotiating with. They don’t have to haggle with you, but you have the right to do so. We get people who are like, “Well, the funeral home has already picked up the body and we do like this funeral home, but they’re more expensive than another one we found in town, we simply can’t afford it.” And my suggestion is talk to the funeral director and say, “Listen, you’ve taken good care of us before, we appreciate that you came to pick our grandmother up, but we literally cannot afford your price on this direct burial. We would love to give you our business. Can you meet your competitor’s price? We realize you don’t have to lower your prices. But we would like to do business with you. If you can’t lower your prices, we’ll have to have her body removed to a different place.”

And that’s OK to do?

Well, why wouldn’t it be OK? Here’s what I hear underneath this, and I think you’re channeling it correctly from people: What people are doing is asking for permission. But you’re not breaking a social rule. You’re not being cheap. I know what people are thinking: “I don’t want to do that. It’s gauche. It means I don’t care about my mother.” Stop that. That’s nonsense talk. If you showed how much you loved your mother by how much you spent on her funeral, you’d go bankrupt. Love cannot be expressed by money.

Lastly, what are some of the biggest misconceptions about navigating this process?

Most of what people think they are required to purchase is not true. For example, many people think embalming is legally required if you’re going to view the body. That is not true in any U.S. state. It’s also not true that embalming is required as a condition of being buried in the ground. These are in-house funeral home policies, not laws. So there’s very little that you are legally required to purchase. Basically, the only thing that has to happen, when a person dies, in order to satisfy the laws, there has to be a death certificate signed by a doctor, the body has to be buried, cremated or donated to anatomical science within a certain period of time, and that’s literally all that is required. Everything else is optional.

Go into this transaction knowing that although it’s emotional, you are a consumer, you get to decide what you put in your cart. You’re not obliged to buy these things. These are choices and you should make choices that fit your family’s budget and your family’s emotional preferences.

• ProPublica is a Pulitzer Prize-winning investigative newsroom. Sign up for The Big Story newsletter to receive stories like this one in your inbox

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Communities without trucks? A sobering look at America’s supply lifeline

Roy Broo/PEXELS

Without truckers, local economies would take serious hits. Shelves, like pictured above, would be empty if it wasn't for the work of long-haul truckers.

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by Casey Cartwright
Contributor Writer

Imagine walking into your grocery store only to find rows of empty shelves. What if the fuel at your local gas station suddenly ran dry? This is the reality we would face in a world without long-haul trucking. Long-haul truckers form the backbone of supply chains, moving goods swiftly and efficiently across the nation. Without them, essential industries would grind to a halt, and the ripple effects would reach every corner of society. How the end of long-haul trucking would affect communities like yours is a question we rarely think about—but, as the industry faces substantial change, it’s worth considering.

The Lifeblood of Commerce

Long-haul trucking ensures that communities of all sizes stay connected. Whether it’s fresh produce, consumer electronics, building materials, or medical supplies, the logistics of modern life depend on a seamless trucking system. Supply chains function under tight deadlines, relying on drivers to move products from manufacturers and warehouses to cities and towns. To paint a clearer picture of the immediate effects, let’s talk about two ways that long-haul trucking has an immediate, visible impact.

Enabling Local Economies

Without truckers, local economies would take serious hits. The corner stores, diners, and markets that give towns their charm rely heavily on goods transported by trucks. Farmers’ harvests wouldn’t make it beyond local roads without long-haul routes to distribute their produce regionally and nationally. Big cities wouldn’t fare much better; major urban centers would face delays in stocking grocery stores, hospitals, and retail hubs.

Supporting Small Businesses

Small businesses would struggle to adapt if trucking slowed down. Many independent business owners count on timely deliveries to meet customer demand. For those selling perishable items like fresh flowers, dairy products, or baked goods, even short delays could result in major financial losses. The absence of dependable trucking networks could isolate small businesses and leave them unable to compete with larger corporations.

Current Challenges in the Long-Haul Trucking Industry

Despite how crucial it is, the long-haul trucking industry is under pressure. A combination of economic shifts, legislative demands, and difficult working conditions has made it hard to recruit and retain drivers. Understanding these challenges is essential to grasp why the industry faces a potential crisis.

Economic Pressures

Fluctuating fuel costs and limited compensation packages make trucking a tough sell. Despite the critical role truckers play in the economy, many earn wages that fail to reflect the long hours and sacrifices the profession requires. The unpredictable costs of maintenance, fuel, and insurance further strain the financial health of small trucking operations. These economic pressures ripple through the supply chain, increasing costs for both businesses and consumers.

Labor Shortages

A growing driver shortage is compounding the problem. The trucking industry faces one of the most significant workforce gaps in recent history, with thousands of vacant positions left unfilled. The grueling demands of the job play a part in this shortage. Spending weeks away from family, enduring long hours, and navigating complex regulations discourage many from pursuing trucking as a career.

Regulations and Safety Measures

Complex regulations, like different axle weight limits for semi-trucks and other safety measures, make compliance—and innovation—challenging. While these measures are crucial for safety, they add layers of bureaucracy that can deter new entrants into the field. Additionally, shifting state and federal requirements mean that drivers and fleet owners must constantly adapt, increasing stress for those working long hours.

The realities of life on the road take a toll on drivers’ physical and mental well-being. Long hours behind the wheel with limited opportunities for exercise lead to health issues like obesity, heart disease, and back pain. The isolation of being away from loved ones for extended periods compounds stress, contributing to burnout among even the most experienced drivers.

The Ripple Effects of Trucking Stopping

If long-haul trucking stopped, these challenges wouldn’t just affect the industry. Communities and their residents would face significant hardships. Critical infrastructures like hospitals, schools, and emergency services would be jeopardized due to supply interruptions.

Supply Chain Disruptions

Essential items like medications, clean drinking water, and protective equipment rely on trucking logistics. Supply chains are fragile ecosystems where delays in one link can cause cascading effects throughout the system. Without long-haul trucking, delays would become widespread, leading to shortages, inflation, and economic downturns.

Public Services at Risk

Emergency response systems rely on supplies transported by truckers to function effectively. Ambulances, fire departments, and police stations regularly need fuel, medical devices, and protective gear. These lifesaving services would face overwhelming challenges if trucking networks disintegrated.

Everyday Convenience

The everyday goods we take for granted might suddenly become scarce. Everything from fresh milk to electronics would be harder to access, with shipping times greatly extended. Communities without reliable access to products would highlight the great divide between urban centers and rural towns. Unfortunately, remote areas would likely bear the brunt of these disruptions.

A Path Forward

The question isn’t just what happens if trucking stops; it’s how we ensure it doesn’t. Investing in solutions to support long-haul trucking could help address these challenges head-on while protecting communities.

Reframing the Industry

Promoting trucking as a rewarding, essential career could help alleviate the workforce shortage. Offering competitive wages, addressing driver health needs, and improving the work-life balance are essential steps. Leveraging technology, such as improved GPS systems and automated loading processes, could also ease the workload.

Policy Solutions

Policymakers can play a pivotal role by simplifying regulations while maintaining safety standards. Providing grants for truckers to upgrade to fuel-efficient or electric fleets, for instance, would serve both economic and environmental interests. Ensuring fair compensation structures could attract new talent to the industry while keeping experienced drivers on the road.

Community Collaboration

When communities step up to support truckers, everyone benefits. Truck stops with healthier food options, fitness facilities, and parking for overnight rest could improve drivers’ quality of life. Public campaigns to recognize drivers’ contributions might also help illustrate the crucial role they play in daily life.

Communities Without Trucks? A Sobering Thought

How the end of long-haul trucking would affect communities like yours is more than just an abstract question. It’s a potential wake-up call for how much we depend on these essential workers. From local businesses to global supply chain networks, the effects of losing long-haul trucking would be disruptive and far-reaching.

Preserving this industry isn’t just about keeping commerce on track; it’s about ensuring that communities continue to thrive. By confronting today’s challenges with thoughtful solutions and community support, we can safeguard the pivotal role trucking holds in modern society. The next time you see a semi pulling into town, it’s worth considering the vital importance of what they bring to your community.

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Casey Cartwright is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

How to find the ideal contractor to build your new home

Breaking ground on a new home represents one of the most significant milestones in life. For residents across Champaign County, from the quiet streets of Mahomet to the bustling neighborhoods of Urbana, the prospect of building a custom house brings immense excitement.

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by Casey Cartwright
Contributing Writer

The success of your home-building project hinges entirely on the professional you choose to lead it. This guide will show you how to find the ideal contractor to build your new dream home.

Defining Your Needs and Wants

You must understand exactly what you want before you pick up the phone to call a builder. A contractor cannot provide an accurate estimate or timeline if your vision remains a vague concept. You should sit down and document the specifics of your project. Determine the size of the home, the number of bedrooms and bathrooms, and the architectural style that appeals to you.

It helps to separate your list into non-negotiables and optional features. You might absolutely require a three-car garage and a main-floor master suite, while hardwood floors throughout the second level might remain a "nice-to-have" if the budget allows. This distinction helps potential contractors understand where they can value-engineer the project to meet your financial goals. When you approach builders with a clear scope of work, you present yourself as a serious client ready to move forward, which results in quicker, more accurate responses.

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Photo: Annie Gray/Unsplash

When choosing a building contractor, focus on a good fit. Look at quality and realistic timelines, not just the lowest price. Quality work and open communication from start to finish are the key to building a beautiful new home.

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Researching Potential Contractors

Champaign County offers a close-knit community where reputation matters. You should start your search by tapping into local networks. Ask friends, family, and colleagues who have recently built or renovated homes about their experiences. Personal recommendations can provide the most honest insight into a builder’s reliability and communication style.

You can also expand your search by observing active construction sites in your neighborhood. If you see a job site that looks clean, organized, and active, write down the name on the sign. Local real estate agents and lenders are also excellent resources. These professionals work with builders daily and know which companies consistently deliver quality results on time. They can steer you toward reputable firms and away from those with a history of problems.

Checking Credentials and Licenses

Legitimacy creates the foundation of trust. You simply cannot afford to hire a builder who operates in the shadows. A professional contractor must possess the appropriate business licenses to operate in Illinois and within specific municipalities, such as Champaign or Urbana. These credentials demonstrate that the builder understands local building codes and zoning regulations.

Verifying these credentials requires you to ask for proof of licensure during your initial conversations. You should also inquire about their professional affiliations. Membership in organizations such as the National Association of Home Builders or local home builder associations indicates a commitment to professionalism and continuing education. These builders typically stay up to date on the latest energy-efficiency standards and safety protocols.

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Photo: Paul Brennan/Pixabay

When doing the initial leg work looking for a contractor, review photos of their past work and ask to visit sites of current projects in the works.

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Reading Online Reviews and Testimonials

To find the ideal contractor to build your new home, you should solicit digital and personal feedback about professionals you’re considering. Read reviews on platforms like Google, Facebook, and the Better Business Bureau. While a single negative review shouldn't necessarily disqualify a candidate, you must look for patterns in the feedback. Major red flags include multiple complaints about hidden costs, poor communication, or abandoned job sites.

Pay close attention to how the contractor responds to criticism online. A professional response to a bad review shows that the business owner cares about customer satisfaction and tries to resolve disputes. You can also ask the contractor for references from past clients. Speaking directly with a former customer lets you ask specific questions about how the builder handles challenges that arise during construction.

Interviewing Multiple Contractors

You should never hire the first person you meet without comparing them to others. Aim to interview at least three potential builders. Treat these meetings like job interviews where you are the employer. You need to gauge not only their technical competence but also their communication style.

Ask pointed questions during these meetings. Inquire about their current workload and how many projects they manage simultaneously. Ask who will be present on the job site daily and who serves as your primary point of contact. You need to know if they use their own employees or rely heavily on subcontractors.

Checking Insurance and Bonding

Construction sites present inherent dangers. Accidents happen, and you must confirm that you don’t carry the financial liability for them. Your contractor must hold comprehensive general liability insurance and workers' compensation insurance. General liability covers damage to your property, while workers' compensation covers injuries to the crew.

Request a certificate of their insurance and verify that the policy remains active. Also, ask about bonding. A surety bond protects you if the contractor fails to complete the job or pay their subcontractors. This financial safety net ensures that there are no liens on your new home due to the builder’s financial mismanagement.

Understanding the Contract

The contract serves as the roadmap for the entire build. You should never start work on a handshake agreement. A professional contract protects both parties by clearly outlining expectations. It must include the start date, the projected completion date, the payment schedule, and a description of the materials.

Pay particular attention to the termination clause and the dispute resolution process. You need to know your options if the relationship sours. The contract should also define the process for change orders. Changes inevitably happen during construction, whether you decide to move a wall or upgrade the cabinetry.

Maintaining Open Communication

The relationship does not end once you sign the contract; it shifts into high gear. Communicating effectively with your home builder is a must for a successful and smooth project. Open lines of communication prevent small misunderstandings from becoming expensive errors. You should establish a regular check-in schedule with your builder, such as weekly on-site meetings or a Friday email update.

You must also play your part as a good client. Make decisions promptly when the builder asks for your input on tile colors or faucet styles. Delays in your decision-making process halt progress on the site. If you have concerns, voice them immediately rather than waiting. Mutual respect and clear dialogue keep the project moving forward.

Building Your Dream Home with Confidence

Building a new home in Champaign County offers the chance to create a space that perfectly suits your lifestyle. While the construction process involves thousands of details and decisions, hiring the right team makes the journey manageable and even enjoyable. By defining your needs, conducting thorough research, and verifying credentials, you stack the odds in your favor.

About the author ~
Casey is a passionate copyeditor highly motivated to provide compelling SEO content in the digital marketing space. Her expertise includes a vast range of industries from highly technical, consumer, and lifestyle-based, with an emphasis on attention to detail and readability.

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TAGS: Rebuilding from a hurricane is long and arduous, American Red Cross can help after a disaster, Rebuilding homes and community infrastructure, Coordinating volunteer groups with clean-up