of the National Concrete Burial Vault Association
A time to remember and honor
NCBVA.ORG l December 2010
National Concrete Burial Vault Association, Inc. P.O. Box 917525 Longwood, Florida 32791 http://www.ncbva.org .#"6! s &AX President Stephen Hatﬁeld Hicks Industries, Inc. Mulberry, FL President-Elect Hubert McQuestion Lake Shore Burial Vault Co. Brookﬁeld, WI Secretary/Treasurer Michael Crummitt Crummitt & Son Vault Co. Martins Ferry, OH Immediate Past President Todd Swihart Saginaw Wilbert Vault Corp. Saginaw, MI Directors Wendy Bott Brown Mark H. Bott Co. Ogden, UT Doug Evans Carolina Doric, Inc. Florence, SC
TABLE OF CONTENTS This last issue of The Bulletin 2010 has been devoted to bringing you up to date on all of the services and beneﬁts of membership in NCBVA and also to a fond look back at the history that brought us to where we are today. Happy Holidays and a prosperous New Year to all!
Latest Standards Manual Has Important Revisions ............. 5 Performance Standards and Plant Certiﬁcation
NCBVA–– An Important Piece of the Puzzle for Your Successful Business....... 6 For Auld Lang Syne ................... 12 Old acquaintances won’t be forgotten with rare ﬁnd of historical photograph
Credit Card Program ................. 15
Steve Handley Handley Precast Systems, Inc. Glendale, AZ
You Needn’t Be a Math Whiz To “Take Credit” for Smart Business Move
Dave Long Eagle Burial Vault Association Joliet, IL
NCBVA Certiﬁed Plants ............. 19
Paul E. Cooper Wilbert Funeral Services, Inc. Forest Park, IL Jerry Russell Southern Ohio Vault Co. Portsmouth, OH Dennis Schultz Doric Vault of Western N.Y., Inc. Buffalo, NY Blake Swinford Trigard Vaults / Greenwood Plastics Danville, IL Steve Vincent Doric Products, Inc. Marshall, IL Executive Director Thomas A. Monahan, CAE Certiﬁed Association Management Co. Longwood, FL Legal Counsel J. Scott Calkins, Esq.
Industry News ’N Notes ............. 21
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December 2010 l NCBVA.ORG
NCBVA.ORG l December 2010
Latest Standards Manual Has Important Revisions
ecause concrete technology and applicable government standards for the burial vault manufacturing industry are constantly changing, the production of concrete burial vaults is not a static business. Therefore, NCBVAâ€™s important publication, Performance Standards Manual and Plant CertiďŹ cation for the Manufacture of Concrete Burial Vaults, is periodically reviewed and updated. The latest revision of the manual (VERSION 10.10) has been included with the mailing of this issue of The Bulletin for all NCBVA members. First developed and adopted for membersâ€™ use in June 1991, V ERSION 10.10 incorporates important new technology updates and additions. It supersedes all previous versions. Through this publication, NCBVA fulďŹ lls two key reasons for the existence of professional associations: It provides standards and guidelines that support quality, and certiďŹ es its member companies that meet critical competency standards. We suggest you read the entire publication as a refresher, but weâ€™d like to call attention to some speciďŹ c additions or changes that may affect your operations. NCBVA Center Load Test Standard The Center Load Pressure Test must be administered by the certiďŹ ed NCBVA inspector and is performed in conjunction with the NCBVA Plant CertiďŹ cation Program. Important revisions have been made to allow free ďŹ‚exure of the bottom and sidewalls of a burial vault or graveliner. These revisions can be found in 7.2.1 (Center Load Pressure Test); 7.2.2 (Critical Load Area); 7.2.3 (Center Load Test Procedures); 126.96.36.199 (Test Requirements - Section A outlines what constitutes a failure of the test); 188.8.131.52 (Test Conditions - Section A provides details for the option of testing an outer burial receptacle with a seal; Section B provides the details for testing of the outer burial receptacle without a seal; and Section C details the steps that will be followed by the NCBVA Plant CertiďŹ cation Representative in performing the Center Load Pressure Test).
NOTE: The outer burial receptacle TESTED MUST WITHSTAND THE POUNDS OF load on the designated one-sq-ft section at the critical load area for a minimum of ďŹ ve (5) minutes without failure. Please be sure to read the Important Note THAT HAS BEEN PLACED FOLLOWING concerning claims of substantiating your PRODUCTS SEE PAGE OF THE 6ERSION manual). Section 8.5: What Will the NCBVA Inspector Be Checking? This very important part of the manual highlights the maximum number of points that is scored in each section during a plant inspection. !T ITS MEETING IN &EBRUARY THE NCBVA Board of Directors approved David Bruggerâ€™s recommendation to allow plants that have failed an inspection as a result of lost points in the areas of Safety/Training and Housekeeping issues to recover those lost points. The procedure is as follows: A plant that has failed to achieve 10 points in Safety & Training (Sections 6.6.1- 6.6.4) or 5 points in Safety Practices & Housekeeping (Section 6.6.5) shall be granted 90 days from the date of inspection to recover lost points. Points may be recovered by correcting deďŹ ciencies and submitting evidence to NCBVA of having done so. Evidence may consist of combinations of invoices for purchased services, goods or materials, photographs, and/or written reports and third-party documentation. Third-party documentation could originate from an insurance company safety inspector/professional trainer, or an independent safety consultant. Loss of score points due to product quality, manufacturing methods or product or material testing, however, requires a repeat inspection.
NCBVA Plant CertiďŹ cation Representative David Brugger, P.E., travels the country performing plant inspections. s -IX DESIGN INCLUDES PARAGRAPHS ON water/cement ratio, admixtures, aggregates, calcium chloride, air entrainment, etc.) s -IXING AND BATCHING GUIDELINES proper storage of aggregates; s 0OURING PROCEDURES INCLUDING RECOMmended practices for hot and cold weather concreting); s #ONCRETE REINFORCING WITH DETAILED illustrations); s #ONCRETE lNISHING CURING s $ISINTERMENT PROCEDURES INCLUDING A sample permission form for disinterment); s ! COMPREHENSIVE GLOSSARY OF TERMS s !ND REFERENCES TO IMPORTANT BOOKS manuals and standards published by the American Concrete Institute, the Portland Cement Association, and ASTM International.
Use the Manual You are encouraged to use the updated manual to check that your manufacturing procedures are still in line with NCBVA standards. If you have speciďŹ c questions regarding any of the revisions, please use e-mail to contact David Brugger, P.E. (Dave@NCBVA.org). Other Important Sections Members may obtain additional copies of This conclusive reference for the concrete burial vault manufacturer also contains the manual by calling NCBVA Headquarters at 888-88-NCBVA. portant sections such as: ! FULL LISTING OF THE #ERTIlED 0LANTS s 4HE TYPES OF LOADS AND STRESSES ON AN IN THE 53 CAN BE FOUND ON PAGES interred burial vault or graveliner; along with an Application Form.
December 2010 l NCBVA.ORG
NCBVAâ€“â€“ An Important Piece of the Puzzle For Your Successful Business â€œEvery man owes a part of his time and money to the business or industry to which he is engaged. No man has the moral right to withhold his support from an organization that is striving to improve conditions within his sphere.â€? â€“â€“Theodore Roosevelt
should you belong to a professional association such as the NCBVA? There are many reasons, other than the obvious moral obligation stated by Theodore Roosevelt more THAN YEARS AGO 4HE CONTEMPORARY REASONS WERE QUANTIlED IN BY THE !MERICAN 3OCIETY OF !SSOCIATION %XECUTIVES !3!% IN A FAR REACHING SURVEY !3!% QUESTIONED NEARLY PROFESsionals to ďŹ nd out exactly why individuals join an association. (This survey has powerful validity, just from the standpoint of size alone. In comparison, the FAMIC-sponsored study on funeral and memorialization trends, reported on in the October Bulletin, surVEYED APPROXIMATELY CONSUMERS AND IS CONSIDERED A STATISTICALLY signiďŹ cant study.) The ASAE respondentsâ€™ answers that outlined the important factors that inďŹ‚uenced them to join a professional association were categorized into two main groups: personal beneďŹ ts and beneďŹ ts to their ďŹ eld or profession. NCBVA measures up very well to the criteria identiďŹ ed by ASAE. Letâ€™s look at ďŹ ve of the eight important personal criteria identiďŹ ed in the survey and see how NCBVA is an important piece of the puzzle for your successful business.
and on-line directories. Itâ€™s often â€œwho you knowâ€? that can make big differences in the success of your company. Relationships are important. People do business with people they know and trust. Access to the most up-to-date information in the ďŹ eld Through NCBVAâ€™s bi-monthly Bulletin, Funeral Ticket, the website and e-bulletins, members are kept apprised of important, timely information regarding the industry or regulations affecting the industry. Associations like NCBVA provide a broad spectrum of information that would be impossible for one individual to assimilate on his/her own. For years, NCBVAâ€™s annual convention and Expo have provided an unbeatable opportunity to see and touch new products and learn about new services, thanks to NCBVAâ€™s suppliers and associate members who have been featured exhibitors. This beneďŹ t was mulTIPLIED MANY TIMES OVER WITH THE &EBRUARY CONVENTION WHEN NCBVA partnered with the World of Concrete. That partnership is EXPECTED TO BE CONTINUED IN OFFERING MEMBERS MUCH MORE mileage out of their convention/continuing education budgets.
Professional development or educational program offerings Whether itâ€™s a technical subject, or tips on how to promote your business or motivate your employees, top-notch speakers are booked Personal Reasons for Professional Membership Among nearly all professions, networking is the number-one rea- for each NCBVA convention to conveniently enhance your professon people join an association. The camaraderie among NCBVA sional development. Break-out sessions facilitate discussion and the members, described in J. Scott Calkinsâ€™ column this month, is vis- sharing of ideas among industry colleagues. NCBVA conventions are all business, but they are held in vacaIBLY EVIDENT IN THE ACCOMPANYING PHOTO HE SENT IN FROM THE tion destinations that facilitate more networking after the convention annual convention. Because many vault manufacturing companies DAY IS COMPLETED 4HE CONVENTION LOCATION PROMISES TO OUTare family businesses, the personal and professional relationships that develop from NCBVA meetings continue on from generation to shine all previous convention locations because of sheer luxury and generation. By attending special events or serving on boards or com- potential activities--it will be held on board the new, outrageously mittees, it becomes easy to meet and do business with other industry appointed Allure of the Seas &EBRUARY 4HIS SHIP FEATURES professionals, and this ease is enhanced through NCBVAâ€™s printed ALL the amenities you could possibly imagine. This convention
NCBVA.ORG l December 2010
will be truly memorable, so donâ€™t miss the boat. Cabins are still available by contacting the NCBVA ofďŹ ce. Opportunity to gain leadership experience NCBVA offers a number of outlets for service, from Boards and committees, to liaisons to the other organizations in the Funeral and Memorialization Information Council (FAMIC). Itâ€™s not only who you know thatâ€™s important. Itâ€™s how much you give back of your time that underscores your commitment to the industry and association. Access to products, services and suppliers Associate members who support the NCBVA are listed in the NCBVA Directory, which is updated on a periodic basis. The Bulletinâ€™s advertisers provide new ideas and technologies, in addition to consistently good information on updated products and services. Career Center NCBVA operates a funeral industry-wide career center on its website (NCBA.org) to help you ďŹ nd key employees. Operated in conjunction with the National Funeral Directors Association (NFDA) and the Cremation Association of North America (CANA), the center allows NCBVA members to reach a market that is read by potential employees from the funeral, cremation and burial vault industries throughout the U.S. and Canada. Member discounts or group purchasing opportunities The Funeral Ticker and NCBVAâ€™s credit card program (page 15) are two of the most recent beneďŹ ts. Up-to-the-Minute News NCBVA members are entitled to A FREE SUBSCRIPTION VALUE to the Funeral Ticker, a continual stream of funeral-related news from all parts of the U.S. and Canada. Developed last year by NCBVAâ€™s Executive Director, the Funeral 4ICKER HAS NEARLY SUBSCRIBERS to date (burial vault companies, cemeteries and funeral directors). Every 15 minutes the Funeral Ticker updates itself by using the power of the Internet, searching for deathcare-related news from on-line newspapers, magazines and other publications. The Funeral Ticker runs continually along the bottom of the subscriberâ€™s computer screen.
BeneďŹ ts to Oneâ€™s Field or Profession Now letâ€™s take a look at four of the 12 factors identiďŹ ed by ASAE that could positively inďŹ‚uence a personâ€™s membership decision-beneďŹ ts to oneâ€™s ďŹ eld or profession.
Providing standards or guidelines that support quality Since 1991, the NCBVA has had in place an important, continually reviewed and updated publication: Performance Standards and Plant CertiďŹ cation for the Manufacture of Concrete Burial Vaults. This manual provides information on obtaining certiďŹ cation as a burial vault manufacturer (upholding production standards) and helps NCBVA members manufacture consistent products of high quality. This practice, of course, reďŹ‚ects a positive image for the industry and beneďŹ ts the public. On page 5, read more about the special bonus thatâ€™s included FOR MEMBERS WITH THIS ISSUEnnTHE UPDATED AND EXPANDED EDItion. Certifying those who meet critical competency standards NCBVA offers a certiďŹ cation program for members. Plants are inspected by NCBVAâ€™s Plant CertiďŹ cation Representative and evaluated against a number of standards, from safety and housekeeping to the strength of the ďŹ nal product. Those facilities that meet rigorous criteria are certiďŹ ed for a ďŹ ve-year period. Maintaining a code of ethics for practice All NCBVA members are required to abide by a code of ethics. This insures fair business practices and also protects the general public. Gathering, analyzing and publishing data on trends in the ďŹ elds In recent issues of The Bulletin, trends such as green burials, cremation and pet memorialization, among others, have been explored. As a member of FAMIC, NCBVA is one of the organizations that supports the research for the funeral and memorialization study. (Survey waves are conducted every ďŹ ve years in order to keep up with signiďŹ cant market trends.) Because the purchase price for the STUDY REPORT IS PER member, NCBVA staff extracted key results for the beneďŹ t of the entire membership and published those ďŹ ndings in the October issue of The Bulletin. In a competitive market, knowledge is powerful.
What Members Say Carries Real Weight NCBVA strives to keep you informed, and to enhance your professional development and your business. What 4HEODORE 2OOSEVELT SAID MORE THAN YEARS AGO IS REASON ENOUGH to belong to a professional organization such as the NCBVA, but take a look at how the following members feel about their membership in NCBVA. Involved members give the best endorsements. Mark Minnick, President of Minnick Services, served as presiDENT OF THE .#"6! IN (E SAYS HE IS PROUD TO HAVE PLAYED AN December 2010 l NCBVA.ORG
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It is vital that we are uniďŹ ed in our voice to protect our industry and our livelihoods, and to watch out for the interests of the general public.
active role, along with other key members, in writing the associationâ€™s concrete performance speciďŹ cations. â€œItâ€™s exciting to look back and know that I was part of something that has had a major impact on the industry. Iâ€™m sure glad we have an organization like the NCBVA to stand behind us as vault manufacturers.â€? Doug Evans, partner/owner of Carolina-Doric and currently a member of the NCBVA Board, says: â€œWe need more people involved in NCBVA so they can fully appreciate the value of our industry and stand together to promote it. NCBVA provides the arena in which this can be done. There is no other organization that solely represents our interests. To protect our industry, weâ€™ve got to get the word out there that concrete in itself is an environmentally friendly product, and itâ€™s the best product out there for the burial vault industry. Not only that concept, but the idea that the burial vault is important and necessary in protecting and honoring our loved ones.â€? â€œThe NCBVA is a great organization,â€? says Jeff Roland, President/Owner of Roland-Wilbert Vault. â€œWe can be proud that it has been especially good to veterans. Itâ€™s a proactive association, and its goal is to help us all improve our operations. The education process involved in the plant certiďŹ cation process is excellent.â€? Steve HatďŹ eld, current NCBVA President and Executive VP and Chief Operating OfďŹ cer of Hicks Industries, believes that Steve HatďŹ eld NCBVA has the potential to be a far-reaching association. â€œThe more members we have, the stronger and better our voice is with government entities and other groups that impact our industry. Weâ€™ve started a dialog with the VA, but to be truly effective we need to have more of a national presence. The VA is having a deďŹ nite impact on our livelihoods. Eighty percent of all new VA cemeteries will have double crypts.â€? â€œI am passionate about the NCBVA,â€? says Todd Swihart, CEO/ Owner of Saginaw-Wilbert Vault and Immediate Past President of the NCBVA. â€œThere is no other organization that can represent usâ€“â€“burial vault manufacturers and service providersâ€“â€“effectively in Washington. It is vital that we are uniďŹ ed in our voice to protect our industry and our livelihoods, and to watch out for the interests Todd Swihart of the general public.â€?
NCBVAâ€™s Record Speaks for Itself 4HE .#"6! FOUNDED IN IS A PROGRESSIVE DYNAMIC ASSOCIATION THAT IS DEDICATED TO the professional development of its members and overall improvement of the concrete burial vault industry. Its record speaks well for itself by providing a uniďŹ ed voice for the industry, regardless of product afďŹ liation, brand recognition or location. Every major brand afďŹ liation of concrete vault manufacturer is represented as a member of the organization. !S AN ASSOCIATION THE .#"6! REPRESENTS GROUPS THAT PROVIDE IN EXCESS OF PERCENT OF all outer burial receptacles interred within the boundaries of its membership.
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Youâ€™re in good company as a member of NCBVA. Itâ€™s an association thatâ€™s worth the investment of your time and money. Regardless of whether your manufacturing operations are large or small, your dues investment reaps the same beneďŹ ts. Dues are equitable because they are based on the size of your business, and are even tax deductible. Your membership supports an increasingly powerful voice, an important investment in your future. $UES INVOICES FOR WILL BE IN THE MAIL IN $ECEMBER 7HEN YOUR INVOICE ARRIVES donâ€™t hesitate to renew your commitment to your industry and your future. Membership in NCBVA is an investment that doesnâ€™t cost; it pays.
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College students get hands-on experience in the vault plant in Oklahoma.
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Central Burial Vaults Hosts Students; Presents Scholarship Awards Central Burial Vaults (CBV) in Oklahoma City recently hosted a plant tour of its manufacturing facility for the mortuary students from the University of Central Oklahoma and presented scholarship awards. Ruby and Jerry Cooper founded CBV in 1975 and the decisions they have made through the years have established CBV as a major vault company in Oklahoma and the surrounding states. Richard Cooper (Operations Manager) and Michael Peery (Sales/Marketing Director) explained the different procedures of manufacturing a concrete burial vault and ďŹ elded questions as the students watched an in-depth demonstration by CBV personnel of stripping and pouring. The demonstration was up close and interactive. Some of the students took part in vibrating concrete in the mold and discovered â€œ...itâ€™s not as easy as it looks.â€? Throughout the morning the students learned about the complexities of a vault company, which included concrete sales, steel vault sales, urn sales and infant unit sales. The focus for each of these products stressed the importance of the quality of product, efďŹ ciency of service and affordability. Following the tour and lunch, Ruby Cooper presented three students with scholarship awards for essays they had written about why they are pursuing a degree in Funeral Service and how they would promote concrete vaults as outer burial receptacles to families/ clients Award winners are Tammie Frizzell from Mustang, OK, Jason Pickel from Fort Payne, AL and Crystal Kelley from Cashion, OK.
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For Auld Lang Syne
hile culling some old NCBVA ﬁles to reduce storage capacity, I came across this large photo of a NCBVA Annual Meeting that shows more than 100 members and guests in attendance. It’s amazing when one ﬁnds a “treasure,” such as this photo that had been hidden away for years. Likely, I had put it away for safekeeping and forgot its existence over the years. What a ﬁnd! What a fantastic picture to revive old memories! I hope you’ll be as thrilled as I was to see this photo, and that you’ll take time to study it to locate members of your family (grandparents, parents, etc.), your company’s previous owners, friends and others who were the leaders of our industry 43 or more years ago. 12
NCBVA.ORG l December 2010
The Convention, as indicated on the photo, was he ton Hotel on June 19, 1967. Many of the old-timers ha industry, and some, sadly, are deceased, but they all le As legal counsel for the NCBVA for more than 50 ye memories as I studied the faces of those who compris industry and the association. Some of those whom I already served as NCBVA Presidents or would be ser Dahlquist (1938); Earl Brutsche (1963); Ray McQues (1966); Gene Harn (1967); Chuck Payment (1969); Bil
was held at the Sheraton Bosmers have now retired from the ey all left a legacy. n 50 years, I was reliving many omprised the backbone of the hom I quickly recognized had be serving in the future: Herb cQuestion (1965); Bill Dwyer 69); Bill Maddox, Jr. (1972); Kit
Carson (1973); Gerry Hardy (1974); Tom Shank (1981); Commodore John Vogt (1988); and William Dwyer (1989). There are other noteworthy individuals in the photo, but I was either unable to locate them or connect the name to the face. In case you’ve been looking for me in that photo, I’m wearing a white jacket and standing in the far left-hand corner in the back of the room, next to “Kit” Carson from Texas. ––J. Scott Calkins, Esq. Look closely. If you can identify anyone in the photo, send the names and NCBVA Legal Counsel location in the photo to Bulletin editor, Jan Monahan. As we enter another new year, I hope you join me in fondly remembering these old friends and acquaintances...for Auld Lang Syne. December 2010 l NCBVA.ORG
Ofﬁcial Notiﬁcation of Annual Meeting & Call for Nominations Pursuant to Article V, Section 2 of the NCBVA Bylaws, the Annual Meeting of the National Concrete Burial Vault Association will be held aboard the Allure of the Seas Cruise Ship, Friday, February 25, 2011 at 1:00 p.m.
s s s The Nominating Committee for the National Concrete Burial Vault Association (NCBVA) is now accepting nominations for the following positions on its board of directors: President-Elect (1-Year Term) Secretary-Treasurer (1-Year Term) Board Director # 1 (3-Year Term) Board Director # 2 (3-Year Term)
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You Neednâ€™t Be a Math Whiz To â€œTake Creditâ€? For A Smart Business Move! By Tom Monahan, CAE NCBVA Executive Director
o you did the math and ďŹ gured out that you can improve your customer service by allowing your funeral director client to put vault charges on a credit card. You realize you might even be able to get paid faster. With all the credit card mumbo-jumbo, monthly minimums and discount percentages with most credit cards, however, itâ€™s easy to say â€œthe heck with itâ€? and lose a key service your company should be offering. To clear the confusion and compare apples to apples, you can use what is called â€œthe effective rate.â€? Figuring out how much a merchant credit card will cost your company in processing fees starts there. The term effective rate refers to total amount that your vault company pays in fees including processing percentage, machine rental, minimum fees and other costs. You donâ€™t need an accounting degree to ďŹ gure it out. &OR EXAMPLE IF YOUR VAULT COMPANY PROCESSES IN credit and debit card sales and its total processing expense is THE EFFECTIVE RATE ACCOUNT IS 9OUR DISCOUNT RATE ON THIS ACCOUNT MAY ONLY BE BUT SURCHARGES AND OTHER hidden fees may bring the total cost more than a full percentage point higher. This example illustrates perfectly how focusing on a single rate when examining a merchant account can prove to be a costly oversight. The effective rate is the single-most important cost factor when youâ€™re computing your processing costs, and, not surprisingly, itâ€™s also one of the most elusive to calculate. When shopping for a credit account, the effective rate will show you what is really the least costly merchant account option. And after you start accepting credit cards, it will allow you to calculate and forecast your total credit card processing expenses. Elusive Calculations Made Easy Calculating the effective rate of an existing merchant account for a vault company is easier and more accurate than calculating the effective rate for a new account because ďŹ gures are based on real credit card processing history rather than forecasts and estimates. Thatâ€™s not to say that a new account should ignore the effective rate of a proposed merchant account. It is still the most important cost factor, but in the case of a new account, the effective rate should be interpreted as a conservative estimate. Step Oneâ€“â€“Itâ€™s pretty simple to calculate the effective rate for an existing merchant account. All you need to do is ďŹ gure out the percentage of expenses over gross credit and debit card sales.
To do this, divide your gross sales by your total processing costs FOR A GIVEN MONTH AND THEN MULTIPLY THAT NUMBER BY &OR example: IN SALES IN FEES 8 If the effective rate ends up being substantially greater than your qualiďŹ ed discount rate, itâ€™s time to examine your account and make money-saving adjustments. Using the example above, LETS SAY THE QUALIlED DISCOUNT RATE FOR THIS ACCOUNT IS 4HAT WOULD MEAN THE EFFECTIVE RATE OF IS MORE THAN DOUBLE THE qualiďŹ ed discount rate. In a situation like this, the chances are very good that there are a lot of mid- and non-qualiďŹ ed surcharges being applied. If you notice a large discrepancy between the qualiďŹ ed rate and the effective rate of your merchant account, call NCBVA and maybe we can close the gap. Step Twoâ€“â€“To calculate the effective rate for a new merchant account from existing credit card processing history, apply your businessâ€™s processing statistics (such as the percentage of midand non-qualiďŹ ed transactions, PIN debit transactions versus signature, etc.), to the rates and fees of the new account. This will yield a pretty accurate estimate of the cost associated with the new merchant account. Calculating the effective rate of a merchant account for a new business is a little tougher because of inconsistent buckets, and the lack of credit card processing history from which to judge how a businessâ€™s transactions will qualify. Nevertheless, making a conservative estimate of an accountâ€™s effective rate is still vital. To calculate the effective rate of a merchant account for a vault company without credit card processing history, you will need to estimate a few ďŹ gures (such as the businessâ€™s average ticket, processing volume, whether a PIN pad will be used to accept on-line debit transactions, and more). NCBVA credit card representatives should be able to speak with you to gather the information they need to offer you a reasonably accurate effective rate. If theyâ€™re unable to do this or they donâ€™t know what an effective rate is, please call me! Weâ€™ll ďŹ gure it out together.
December 2010 l NCBVA.ORG
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BUILT TO ACCOMMODATE YOUR NEEDS Our Standard Vault-Master Can Perform Your Entire Vault Handling Jobs.
Off Loading Vaults From Trucks Setting Vaults Straight Or Crossways Disinterments Operating On Steep Terrain (3-Point Hydraulic Leveling)
All Our Units Can Be Built To Accommodate Oversized Vaults We Also Offer A Fixed Boom Unit With All The Features Of Our Standard Unit A Large Selection Of Options Is Available On All Our Units
Gasoline-Powered, Crawling Vault Platform, With Steering
A Positive Braking & Holding Power When Remote Switch Is Disengaged
Push-Button Movement & Steering
Hydraulic-Powered With A 5.5 Hp Honda Engine
We set the standards for vault handling equipment. We DO NOT copy anyone. We are always looking to the future.
LET US CUSTOM BUILD YOUR NEXT VAULT TRAILER 16
NCBVA.ORG l December 2010