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Ever Loved’s funeral marketplace undercuts undertakers

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Fifty percent of families are scared they can’t cover the cost of a funeral. They end up overpaying because no one wants to comparison shop amidst a tragedy. That’s why ex-Googler Alison Johnston’s startup Ever Loved built a free funeral crowdfunding tool. Now it’s addressing one of the most expensive parts of saying goodbye: burial. Today Ever Loved launches its online marketplace for caskets, urns, headstones and memorial jewelry.

By sidestepping the overhead of a physical funeral home, Ever Loved can offer better prices while still earning a 10% margin. Its caskets cost 50% less than the average sold at a mortuary, according to the National Funeral Directors Association.

When I called a local San Francisco funeral home, the high markups came into focus. They quoted me $2,795 for a casket sold for $1,200 on Ever Loved.

“Most people don’t think to — or don’t want to — plan funerals in advance, which means that when someone passes away, the family is often scrambling,” Johnston tells me. “When this rush to make decisions is paired with extreme grief, many people don’t do anywhere close to the same amount of research as they would with another several-thousand-dollar purchase. When combined with the fact that most funeral homes don’t publish their prices online, it’s easy for families to spend much more than they need to.”

Johnston co-founded Ever Loved in late 2017 after a family member was diagnosed with terminal cancer. She discovered how few resources there were available for helping people plan and pay for funerals. She’d previously worked at Q&A app Aardvark through its acquisition by Google, then started online tutoring startup InstaEDU that eventually sold to Chegg. The consumer website building and e-commerce tools she’d grown used to weren’t available in the funeral industry, so she set out to build them. Ever Loved has raised seed funding from Social Capital and gone through Y Combinator.

Ever Loved co-founder and CEO Alison Johnston

“Tech too often merely makes life and work easier for those who already have it good,” she told me last year. “Tech that tempers tragedy is a welcome evolution for Silicon Valley.”

Ever Loved’s first focus was its funeral crowdfunding tool that let families ask the decedent’s loved ones to help contribute to offset the costs. Donors could leave a tip for Ever Loved, but otherwise it charged nothing beyond credit card processing fees. The tool was paired with a memorial website builder that families could use for distributing invites and collecting memories. Now Ever Loved is helping people plan thousands of funerals per month with revenue up nearly 20X year-over-year.

Now that it’s helping families raise money for remembrance services, Ever Loved wants to make sure they don’t get ripped off. The fact that there’s such low pricing transparency at funeral homes should clue you in that they try to pass off steep markups since customers might not have the energy to keep looking. “The average funeral home only helps with a funeral once every three days, meaning that many funeral homes need to charge high prices in order to cover their own fixed costs,” Johnston explains.

Remove the overhead costs and assist customers across geographies and there’s room for a strong business with more affordable prices. For example, a Stanford Blue Casket costs $990 on Ever Loved while one LA funeral home charges $1,600. The Last Supper Pieta Casket is $1,500 on Ever Loved but $6,580 from the funeral home. That funeral home had both of these listed under different names, further hindering the ability of customers to find a fair price.

Ever Loved can also more quickly adapt to the diversification of burial options. Between concerns about costs, land use, environmental impact and connection to family and nature, many are looking beyond caskets. Cremation became more popular than burial in the U.S. in 2017. Liquid cremation is now legal in 18 states, and Washington just began allowing body composting.

We’re seeing a lot of independent providers popping up to do everything from turning your loved one’s ashes into a diamond ring to shooting their ashes into space to planting them under a tree in the forest,” says Johnston. Any single funeral home is unlikely to offer the breadth customers are looking for. “Our goal is to make all of your options available to you in an easily digestible format.”

Ever Loved’s business is protected by the FTC’s Funeral Rule that bars mortuaries from refusing or charging extra to handle a casket or urn purchased elsewhere. That means Ever Loved customers can combine shopping online with in-person memorial services from a local funeral home. Still, it’s a tough business. Startups like HaloLife, Clarity and After I Go have all shut down. Most others merely offer memorial sites, or funeral home search engines.

That means Ever Loved’s biggest competitors, beyond the standard just accepting the local mortuary’s prices, are Google and Amazon. Often they surface the same prices as Ever Loved with comparable shipping, though Google could sometimes find a slight discount by buying straight from the manufacturer, while Amazon was missing some top brands. Costco and Walmart sell funeral products too. But Johnston says “many people don’t feel like generic, mass-market stores are the appropriate place to purchase funeral products.” I agree it might feel disrespectful buying an urn from the same place you get toilet paper.

We also put a huge focus on customer service, which you don’t get at Walmart, Costco or Amazon,” Johnston tells me. “When you’re grieving and spending thousands of dollars, we’ve found that this is very important.”

As the demographic planning funerals gets more tech-savvy over time and want personalized farewells rather than cookie-cutter conclusions, there’s a chance to change the status quo. Discussing death is becoming less taboo. Being smart about paying for it should too.

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OpenAI Introduces ChatGPT Plus with Monthly Subscription of $20

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Open AI - Chat GPT

OpenAI, the leading artificial intelligence research laboratory, has launched a new product – ChatGPT Plus. The new product is an advanced version of its previous language model, ChatGPT, and is available for a monthly subscription of $20. The company aims to provide a more sophisticated and efficient conversational AI tool to its users through this new product.

ChatGPT Plus is a state-of-the-art language model that uses advanced deep learning algorithms to generate human-like responses to text inputs. The model has been trained on a massive corpus of text data, allowing it to generate coherent and contextually relevant responses. The model is designed to handle a wide range of conversational topics and can be integrated into various applications, such as chatbots, customer support systems, and virtual assistants.

One of the main advantages of ChatGPT Plus over its predecessor, ChatGPT, is its ability to generate responses in a more human-like manner. The model has been fine-tuned to incorporate more advanced language processing techniques, which enable it to better understand the context and tone of a conversation. This makes it possible for the model to generate more nuanced and appropriate responses, which can greatly improve the user experience.

In addition to its advanced language processing capabilities, ChatGPT Plus also offers improved performance in terms of response generation speed and efficiency. The model has been optimized to run on faster hardware and has been fine-tuned to generate responses more quickly. This makes it possible for the model to handle a larger volume of requests, making it an ideal solution for businesses with high traffic websites or customer support centers.

The monthly subscription fee of $20 for ChatGPT Plus makes it an affordable solution for businesses of all sizes. The company has designed the pricing model in such a way that it is accessible to businesses of all sizes, regardless of their budget. This makes it possible for small businesses to take advantage of advanced conversational AI technology, which can greatly improve their customer engagement and support.

OpenAI has also made it easy to integrate ChatGPT Plus into various applications. The company has provided a comprehensive API that allows developers to easily integrate the model into their applications. The API supports a wide range of programming languages, making it possible for developers to use the technology regardless of their preferred programming language. This makes it possible for businesses to quickly and easily incorporate conversational AI into their operations.

In conclusion, OpenAI’s launch of ChatGPT Plus is a significant development in the field of conversational AI. The new product offers advanced language processing capabilities and improved performance, making it an ideal solution for businesses of all sizes. The affordable pricing model and easy integration make it accessible to businesses of all sizes, and the advanced language processing capabilities make it possible for businesses to improve their customer engagement and support. OpenAI’s ChatGPT Plus is set to revolutionize the conversational AI industry and bring advanced technology within the reach of businesses of all sizes.

Visit OpenAI.com to read more and to get the latest news about ChatGPT.

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What can ChatGPT do?

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ChatGPT Explained

ChatGPT is a large language model developed by OpenAI that is trained on a massive amount of text data. It is capable of generating human-like text and has been used in a variety of applications, such as chatbots, language translation, and text summarization.

One of the key features of ChatGPT is its ability to generate text that is similar to human writing. This is achieved through the use of a transformer architecture, which allows the model to understand the context and relationships between words in a sentence. The transformer architecture is a type of neural network that is designed to process sequential data, such as natural language.

Another important aspect of ChatGPT is its ability to generate text that is contextually relevant. This means that the model is able to understand the context of a conversation and generate responses that are appropriate to the conversation. This is accomplished by the use of a technique called “masked language modeling,” which allows the model to predict the next word in a sentence based on the context of the previous words.

One of the most popular applications of ChatGPT is in the creation of chatbots. Chatbots are computer programs that simulate human conversation and can be used in customer service, sales, and other applications. ChatGPT is particularly well-suited for this task because of its ability to generate human-like text and understand context.

Another application of ChatGPT is language translation. By training the model on a large amount of text data in multiple languages, it can be used to translate text from one language to another. The model is able to understand the meaning of the text and generate a translation that is grammatically correct and semantically equivalent.

In addition to chatbots and language translation, ChatGPT can also be used for text summarization. This is the process of taking a large amount of text and condensing it into a shorter, more concise version. ChatGPT is able to understand the main ideas of the text and generate a summary that captures the most important information.

Despite its many capabilities and applications, ChatGPT is not without its limitations. One of the main challenges with using language models like ChatGPT is the risk of generating text that is biased or offensive. This can occur when the model is trained on text data that contains biases or stereotypes. To address this, OpenAI has implemented a number of techniques to reduce bias in the training data and in the model itself.

In conclusion, ChatGPT is a powerful language model that is capable of generating human-like text and understanding context. It has a wide range of applications, including chatbots, language translation, and text summarization. While there are limitations to its use, ongoing research and development is aimed at improving the model’s performance and reducing the risk of bias.

** The above article has been written 100% by ChatGPT. This is an example of what can be done with AI. This was done to show the advanced text that can be written by an automated AI.

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Google December Product Reviews Update Affects More Than English Language Sites? via @sejournal, @martinibuster

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Google’s Product Reviews update was announced to be rolling out to the English language. No mention was made as to if or when it would roll out to other languages. Mueller answered a question as to whether it is rolling out to other languages.

Google December 2021 Product Reviews Update

On December 1, 2021, Google announced on Twitter that a Product Review update would be rolling out that would focus on English language web pages.

The focus of the update was for improving the quality of reviews shown in Google search, specifically targeting review sites.

A Googler tweeted a description of the kinds of sites that would be targeted for demotion in the search rankings:

“Mainly relevant to sites that post articles reviewing products.

Think of sites like “best TVs under $200″.com.

Goal is to improve the quality and usefulness of reviews we show users.”

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Google also published a blog post with more guidance on the product review update that introduced two new best practices that Google’s algorithm would be looking for.

The first best practice was a requirement of evidence that a product was actually handled and reviewed.

The second best practice was to provide links to more than one place that a user could purchase the product.

The Twitter announcement stated that it was rolling out to English language websites. The blog post did not mention what languages it was rolling out to nor did the blog post specify that the product review update was limited to the English language.

Google’s Mueller Thinking About Product Reviews Update

Screenshot of Google's John Mueller trying to recall if December Product Review Update affects more than the English language

Screenshot of Google's John Mueller trying to recall if December Product Review Update affects more than the English language

Product Review Update Targets More Languages?

The person asking the question was rightly under the impression that the product review update only affected English language search results.

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But he asserted that he was seeing search volatility in the German language that appears to be related to Google’s December 2021 Product Review Update.

This is his question:

“I was seeing some movements in German search as well.

So I was wondering if there could also be an effect on websites in other languages by this product reviews update… because we had lots of movement and volatility in the last weeks.

…My question is, is it possible that the product reviews update affects other sites as well?”

John Mueller answered:

“I don’t know… like other languages?

My assumption was this was global and and across all languages.

But I don’t know what we announced in the blog post specifically.

But usually we try to push the engineering team to make a decision on that so that we can document it properly in the blog post.

I don’t know if that happened with the product reviews update. I don’t recall the complete blog post.

But it’s… from my point of view it seems like something that we could be doing in multiple languages and wouldn’t be tied to English.

And even if it were English initially, it feels like something that is relevant across the board, and we should try to find ways to roll that out to other languages over time as well.

So I’m not particularly surprised that you see changes in Germany.

But I also don’t know what we actually announced with regards to the locations and languages that are involved.”

Does Product Reviews Update Affect More Languages?

While the tweeted announcement specified that the product reviews update was limited to the English language the official blog post did not mention any such limitations.

Google’s John Mueller offered his opinion that the product reviews update is something that Google could do in multiple languages.

One must wonder if the tweet was meant to communicate that the update was rolling out first in English and subsequently to other languages.

It’s unclear if the product reviews update was rolled out globally to more languages. Hopefully Google will clarify this soon.

Citations

Google Blog Post About Product Reviews Update

Product reviews update and your site

Google’s New Product Reviews Guidelines

Write high quality product reviews

John Mueller Discusses If Product Reviews Update Is Global

Watch Mueller answer the question at the 14:00 Minute Mark

[embedded content]Searchenginejournal.com

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