Why plan your funeral in advance?

The story below illustrates the benefits of preplanning your funeral. Also known as an “advance funeral plan”, “preneed”, or a “preplanned funeral”, it is one of the few things in life where you can pay today’s prices for a product and service you may not need for many years down the road, thus saving you money.

We buried my dad last week. My dad’s funeral would have been just a little more than $8,000 not counting the luncheon or cemetery space. However, thanks to his pre-need funeral plan that he prepared 18 years ago at the funeral home, we got it for $5,000 and some change. Saving money wasn’t necessarily what motivated him to make the plan in advance. But, let me tell you, my mom was pretty pleased to know she didn’t have to write that check.

Now, I should clarify something here. My mom is more than okay financially. Paying, even the full $8,000, for the funeral would not have been a financial issue. It was an emotional thing. She knew the death of my dad was going to change her life. She just didn’t know how it would change. So, everything, every action and especially spending money, increased her anxiety. We didn’t need that. Thank you, dad, for taking care of the plan and its cost well before it was needed.

What motivated my father to pre-plan was the fact we are a blended family. It’s not the we don’t all get along, we do (most of the time). But, we don’t all have the same taste. My sister, his oldest daughter, likes the earth tones. Our mom, his wife, on the other hand, likes the jewel tones. My dad picked a black casket and even said he wanted to be buried in his navy suit. Seems like small stuff, but it probably saved us all some angst. There was no fuss, no brown suit and no hurt feelings.

If my dad would have asked us 18 years ago if he should pre-plan and pre-pay for his funeral, I feel certain all five of us would have said, “Don’t worry about that. We can take care of it when we have to.” I am so grateful that he did not ask and that he did not think just about the money portion of an advance funeral plan. Dad, thank you for being smarter than us and knowing that we would need your emotional support even in death.

 

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Who should record my funeral wishes?

There is a woman who once thought that she’d like to have a hologram made of her wearing an Obi-Wan Kenobi robe for her funeral. Her four sons grew up during the Star Wars era and similar to Obi-Wan, she would love to pass along the wisdom she acquired over her lifetime to those she loves. And yes, she would also like to have the last word!  So who should this woman see to discuss and share her wishes? Should she talk to an attorney? Her financial planner? Or a funeral director?

Both her attorney and financial planner suggested they could help but she wasn’t convinced based on her past experience. When her parents died the funeral was over before she even started to work on the finances and the estate. And there was so much attention paid to the final, final part…burial or cremation. She decided to contact her family funeral home and she met with Sue, the advance funeral planner. As it turns out, helping people get their funeral plans in place is Sue’s only job at the funeral home. And help this woman Sue did!

They talked about what this woman thought she wanted for her funeral plans. They talked a lot about her family – her husband, her four grown up sons, their wives and their children. Sue helped this woman see that although her sons would appreciate the Obi Wan idea, her husband would need something a little more traditional with a spiritual element. They talked about the cost and how she could keep that under control. They also talked about the burial and cremation options. Sue explained to the woman that if she wasn’t ready, she didn’t need to make a decision about burial or cremation. The woman ended up talking to her family about it and she was able to get her wishes recorded at the funeral home and she decided to use a payment plan. With her plan in place, she can go in and change her plans at any time (e.g. if she decides she wants to be cremated at a later date) and Sue will help her with that.

Sue also suggested the woman begin gathering those words of wisdom that she wants to share at her funeral and bring them to Sue so she can put them in the file. On the day of the woman’s funeral, the funeral directors will print these words of wisdom and hand them out to those attending the funeral. As it turns out, holograms aren’t available just yet, but Sue thinks they may be prior to this woman’s death.

In the end, leaving the finances to the financial planner, the will & estate planning to the attorney, and the funeral planning to the funeral home made the most sense for this woman.

 

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Memorial Day

What is the purpose of Memorial Day? Why do we have this holiday?

Of course, it is a three-day weekend. A perfect time to hit the road and do something in the great outdoors. After all, in most parts of the country it’s the start of the Summer season. Time to clean off the grill, get out the frisbee, and spend time with family.

Although the celebrations may look a little different this year, take a moment to remember the origin of this holiday.

It started as Decoration Day. The Civil War ended in the Spring of 1865 claiming 600,000 lives. More lives than in other wars in US History. Decoration Day was a day set aside to decorate the graves of those who died in this war. Graves were decorated with flowers and flags with a goal to honor the ultimate sacrifice of those who died. By the end of the 1800’s Decoration Day was an official holiday.

After World War I, Decoration Day was changed to Memorial Day. The revamped holiday was set aside as a time to remember all who gave their lives in service of our country in any war. Memorial Day is a distinctively American holiday and is properly celebrated with red, white, and blue American enthusiasm.

It is also a time to visit the cemetery and decorate the graves, fly the flag, and go to a parade. It might also be a time to think about and learn a little about American History. You could even make it a family activity. Get the kids to put those electronic devices to good use playing Memorial Day Trial Pursuit of sorts. How many wars have we Americans participated in? Where did we fight? Why were we fighting? Just go with the tried and true journalism questions… who, what, where, when, and why. There is a lot to learn.  Your family might even have a discussion!

Use a little of that time off work to learn about, remember, and honor all the men and women who have died in military service.

 

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Mother’s Day

Mothers come in all shapes, colors, and sizes. There are tall moms, short moms, thin moms, and moms with soft edges. There are single moms, moms with partners and moms with husbands. Moms are an indispensable part of our existence. They literally keep the human species from becoming extinct. Hooray for Moms! Today is their day!

There are different ways to become a mother, but there really is no training program for being a mom. Most moms will tell you they had no idea what they were getting into. The job requires that one learns as one goes. On the job training.

There are a few how to parent books that may be helpful. Then there is always the option of getting advice from another mother or even your own mother. But, when all is said and done, it is the mom who decides. Moms decide what their children eat, what they wear, and when they sleep. Then one day the decision maker dynamics change.  This change comes when the child develops a mind of his own. Children typically begin to come into their own mind beginning at about age three and believe themselves to know all by age 12. Then a mother prays.

Moms are always “moming” no matter how old their children become, no matter how many degrees they get or how smart they are, no matter they are moms themselves. Being a mom is a forever job.

Once you have a child you never really sleep soundly again. Oh, and yes, moms do have eyes in the back of their heads. They grow in when their child begins to crawl. They stay fully functional for the life of the mother. Some mothers are able to put blinders on those eyes once a child becomes self-supporting, but other moms just keep watching forever! Moms are wonderful but never perfect, you know.

So, how do you say thank you for all of that? It really doesn’t take a lot. Mothers are notoriously easy to please. A call, a card, dinner out, flowers. It’s pretty easy to please a mom. Don’t forget, May 10 is MOTHER’S DAY. Send her your love!

 

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Where should I send my condolences?

Condolences do matter and timing is important.

 

Do not put off contacting your friend to express your sympathy. Options and opportunities may have changes over the decades, but the importance of reaching out to those suffering a loss has not. A call or a written note is always just right. Social media is just fine under some circumstances and a personal visit is lovely. Additionally, many funeral homes have a place on their website to post condolences. This format allows your expression of sympathy to be delivered privately and quickly.  

 

So, let’s start with the newest trend – technology and social media. It’s so fast and so easy to access. If you are texting a co-worker several times a day about other things, it would seem rude to not mention the loss of her mother. Do use private messaging forms of social media with people you communicate with regularly in this manner. Caution!! Be very careful to not send a public condolence message using social media if your friend has not made an equally public announcement of his or her loss on the same platform. Do follow-up your message with a call or personal note. Finally, do not use electronic messaging if the receiver is not a regular user of tech.  

 

Hand written notes or cards made for just this purpose should be mailed to the person closest to the deceased or to a personal friend who has experienced a loss. Your personal note should be simple. Thoughts such as you are sorry for their loss, you are thinking of them in this difficult time or they are in your thoughts and prayers are appropriate. If you knew the deceased, you might share a brief story about the person who died and shares your connection.    

 

Should you make a condolence visit? Oh, my yes! A personal visit is the only way to give a hug.  However, do call ahead. Do keep your visit brief and do focus on the grieving individual. Please, don’t say you know how they feel even if you share a similar experience. There will be a time for sharing later. For now, just let them know you are sorry for their loss. Come as a listener not a problem solver.

 

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