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HEALTH INSURANCE, ANYONE?
When I ended up at the U-M Hospital this summer at Ann Arbor, the admitting
department, and later the pharmacist, were surprised that an artist
had health insurance. Does this mean that many of us don't have any?
After trying several different plans about five years ago we settled
on a health plan that we purchased through the local Chamber of Commerce.
You do have to become a member, but the plan had the best rates and
coverage that we had found. Check with your local Chamber and see what
they have to offer. When the cost of Chamber membership went up the
local director said that he would be happy to have art work for the
office in lieu of a membership fee. Worth checking out.
BOOKS FOR LISTENING WHILE YOU WORK OR DRIVE
Kathy Eaton writes: "The long hours I spend alone in my studio have
been somewhat relieved by listening to recorded books. This wonderful
idea is increasingly useful as more interesting and widely varied titles
become available. Fortunately our local library has a good collection
but since I've pretty much exhausted their tapes, I occasionally rent
them. A couple of the notable books for artists are Depths of Glory,
Irving Stone's fictional biography of Camille Pissaro, and Toulouse
Lautrec by Julia Frey, a detailed and occasionally tedious account of
his life. On other more contemporary subjects I enjoyed The Monkey Wars
by Deborah Blum, a study of the pros and cons of animal testing and
It Doesn't Take A Hero the autobiography of General Norman Schwarzkopf.
And for a good story and good writing just about anything by Edith Wharton
is great, but especially The House Of Mirth is as engrossing as a book
can get."
My favorite was Willa Cather's O, Pioneers, so wonderfully read that
you found yourself on the prairie with the characters, and it's especially
enthralling to listen to as you drive across Nebraska.
These recorded books can be rented from Books-on-Tape (800) 626-333,
Recorded Books (800) 638-1304 and Blackstone Audio Books (800) 482-9294.
We recommend these particular companies because the books are unabridged
so you really get the whole story.
In Psychology Today, July/August 1996 there were several good articles:
'The Creative Personality' culled from interviews with 91 eminent individuals,
and 'Capturing Creativity', the four most effective strategies for boosting
yours.
AN ALTERNATIVE TO UPS
By Ray Hartl
Last winter after many years as a regular UPS pickup customer, I began
to realize that it was time to look for an alternative. Although the
recent strike emphasized that UPS has a near monopoly on the package
shipping business, they are not necessarily the best choice for the
small businessman. I would like to share what I learned in my search
for an alternative.
There are three ways to utilize UPS services:
-
As a drop-off customer. Bring your packages to a UPS center, much
like going to the post office. You pay no pickup charges, only the
shipping charge for each package. This is fine if you only occasionally
ship a package and live near a UPS center. Drawbacks: Inconvenient
and time consuming.
-
As a ready customer. Call UPS and schedule a pickup at your location.
You pay a $5.00 pickup charge and the shipping charge for each package.
This is fine if you don't need a pickup every week and go through
periods of time when you don't need a pickup at all.Drawbacks: As
a ready customer you do not have an account and therefore no credit.
When you call for a pickup, you must provide the operator with a
lot of information. First is your name, full address and where to
pickup at your location.(No matter how many times you use this service,
you are always a stranger to UPS.) You must then provide the details
of each package including address, weight, dimensions, residential
or commercial delivery, special handling info etc. If you have more
than a couple of packages to ship this phone process is burdensome,
and the more packages you have, the more irritating it becomes.
Because you have no credit, UPS needs all this info so that the
operator can tell you the exact amount of the check that you must
have ready for the driver when he arrives for pickup.
-
As a regular pickup customer. The driver will appear at your door
every day. The weekly pickup fee is 6.00 if you are in a commercial
area and you will be billed monthly for pickup fees and shipping
charges that have accrued. This is the most convenient way to deal
with UPS and is fine if you are shipping packages every week, year
round.Drawbacks: The weekly pickup fee becomes $8.00 if you live
in a rural area. A $2.00 per week surcharge is added if you do not
accrue $50.00 per week in shipping charges. You have to pay the
weekly pickup fee whether you have a pickup or not. You cannot call
in and put a stop to pickups if your going to be gone for a few
weeks. If you go through a seasonally slow period, you either pay
the pickup fees for services you are not using, or cancel your account
and go through the process of reopening it again when business picks
up. In effect, UPS doesn't treat their part time shippers any better
than they treat their part time employees. Rather then structuring
their services to be both convenient and economical for the small
businessman, convenience comes at the price of paying for service
that is not always needed. And if your volume slows down, they slap
a surcharge on you!
After trying several alternate services, I now ship my packages through
RPS. (Roadway Package Service.) They deliver nationwide and at rates
that are often lower than UPS. After filing an application, I was given
an account and shipper number. The pickup charge is $6.00 per week,
and there is no surcharge for not meeting a minimum. I do not pay pickup
charges for weeks when I have nothing to ship. To schedule a pickup
I call an automated 800 number that takes only a few seconds. Preparing
packages is a breeze - slap on my mailing label and a RPS tracking label
- no book to fill out. RPS weighs and zones the packages automatically
so I don't have to do that either. I receive a detailed billing each
week and have seven days to pay it. Drawbacks: Package delivery generally
takes one day longer than UPS.
Another aspect that I like about RPS is that the drivers are independent
contractors and own their trucks. When you ship with RPS you are supporting
a small businessman in your community and several more by the time your
package is delivered. UPS is a closely held private company with a few
owners amassing a fortune.
I also found that the post office can be a viable alternative to package
delivery services, especially if you ship small parcels. If you send
packages to Alaska, Hawaii, Canada, Mexico or U.S. possessions, US Postal
Service rates are much lower than the package services. Drawbacks: Inconvenience
of going to the post office. No tracking service for packages.
Ray Hartl
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