Blog | Sytsema Funeral & Cremation Services

The Gift of a Note to Your Family

Nothing means more to a grieving child, spouse, sister, brother or friend than a personal note from the deceased. It’s something that will be cherished. The note will make its way out of its safe keeping spot whenever the mourner needs to feel close to the person who died. It will be read on those tearful days that are sure to come. It will also be read on those days that are full of joyful remembrance.

The note doesn’t have to be eloquent. It doesn’t have to be brilliant or witty. It doesn’t have to be long. It just needs to tell the person how you feel about them. The writer might also include what they liked about recipient, enjoyed doing with them, or how the person was helpful. The note can express gratitude or love. It can include a shared “remember when” story. In the end it’s a love note. A personal connection that lasts even when life has ended.

So, when do you write these notes and where do you keep them? There really is no need to wait. Write your notes today or tomorrow as you live your life. They can always be revised and updated. Waiting may mean that you never get around to it. Remember, life is fragile.

If you have an advance funeral plan on file at your preferred funeral home, you might ask the funeral director to keep them for you. Just imagine how lovely it would be for your family to receive your note at the conclusion of their conference with the funeral director to finalize your arrangements. If you don’t have a plan on file, make sure someone in your family knows where the notes are kept and when they should be distributed.

“We are fragile creatures, and it is from this weakness, not despite it, that we discover the possibility of true joy.”
― Desmond Tutu, The Book of Joy: Lasting Happiness in a Changing World

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Dad died. What Do I Do with the Pills?

Prescription medication is expensive. Just that fact can be an understandable motivation for some risky business. When my father died, my mother was asking everyone, “Aren’t you on blood pressure medicine? You take this heart pill don’t you? What do you take for depression?” Her plan, no waste. My mom will also save four string beans when dinner is over. The beans I can live with, the pills I think we are treading on thin ice. It’s just best to follow the FDA recommendations.

In order to keep drugs from falling into the wrong hands (children, pets, and addicts) the FDA recommends that you dispose of all medication as soon as possible. They suggest three options.

Take Back Programs:

These are periodic events scheduled in your community for a specified date and time. In addition, some communities have permanent collection sites, you can find the location of permanent collection sites at the FDA website.

Disposal in Household Trash:

Many medications can be disposed of in the household trash following this process.

Mix – the pills with dirt, cat litter, or coffee grounds. Do not crush the pills

Seal – the mixture in a plastic bag

Throw – the bag in the household trash

Scratch – scratch the information on the prescription label off the bottle and discard

Flushing down the toilet:

FDA recommends that a short list of drugs be immediately flushed. These drugs are dangerously addictive for children and others who have not been prescribed the medication. A complete list of these drugs is posted on the FDA website.

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Mother Died…How Long Do We Keep Her Things?

Separating from a loved one’s belongings is one of the more difficult jobs you will have to do after a death. It is amazing how much is collected over a lifetime. You probably won’t get it done in a day and you will probably shed a few tears.

Ask for help. Accepting and asking for help is harder than you might think. It is hard to turn over the decision of what goes and what stays to someone else. If your offer of help is refused, be understanding. Your mother may need to handle every one of your deceased father’s possessions before anything can go. Give her some time and then offer to help again a little later. Offering to box or bag after items have been sifted through is a huge help.

If you are the decision maker, consider providing some guidelines and then letting go. It’s a big job. Some help will be nice.

First contact your family members to determine what they might be interested in having. Give people some notice and a time limit, “If there is anything that you want from Mom’s wardrobe please come and get it before next week. I am going to sort through then and will be giving things to charity.”

Second, make it a goal to handle things once. To keep you on track, get boxes, bins or bags and mark them FOR CHARITY, FOR TRASH, TO KEEP. Keep those boxes moving. At the end of the day take the trash to the trash and the charity to the donation site so that you won’t be tempted to go through them just one more time.

If you are thinking about having a sale, think long and hard. People haggle at tag and garage sales. Are you emotionally prepared to dicker over the value of your dad’s favorite tie or his collection of fishing lures? Might it be better to think of his things finding new homes with people who need them? Sales are a lot of work, be kind to yourself, avoid taking on too much.

Procrastination won’t make the task easier. If you cannot take care of the sorting and giving, turn the job over to someone else. If you are a procrastinator, storage units have your name written all over them. Calculate the annual cost. Ask yourself, “What will change between now and next year?” Have a plan. When does the storage end?

Memories are attached to our stuff. You will no doubt take more than a few walks down memory lane. Slow down and enjoy the journey. A life is over, but it’s not forgotten.

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What to Look for When You are Buying Final Expense Insurance

Cost is important, but it’s not the whole story. Take a look at the premium, the amount you will pay each month, how long will you pay that amount? It is not uncommon to pay until you are 100 or even older. Will you be able to pay that amount each month as you age? What if you live to be 100? Will the benefit stay in place? How much will you have paid in by that time? It’s not unheard of for people to end up paying more than they will receive in death benefits.

Look at the coverage. How much will be paid on your death? Most policies are for a fixed amount your family will receive when you die. This is the death benefit. How soon will you be covered for the full amount? Sometimes you will need to make payments for as long as two years before you would be eligible for the full death benefit. Often the death benefit stays the same over the course of your lifetime. So, as you age and the price of funerals increases, your policy is at risk of falling short and not providing your family with enough to cover the cost of your funeral.

Before you sign anything, call your local funeral home. Ask for an appointment with the funeral professional who takes care of advance funeral planning. When you meet with this individual be straight forward. Share your financial situation. See what the funeral home has to offer.

Most of the time the funeral home’s funding program is a little more per month but you make payments for a much shorter period of time. So, you pay much less in the long run. If you are in good health you will most likely be covered as soon as the policy is issued. Some funeral homes even offer a cost guarantee which means you have no worries about the rising cost of funerals.

It’s always worth the extra time to be sure you are getting the best final expense coverage you can afford. The one that will really be there for your family when it’s needed.

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Death and Taxes

Death and taxes (seemingly unlikely bed fellows at first glance) are often linked together because they have long been considered unavoidable life events. Some even say they are the only two things that are certain in life. Neither is something people typically look forward to, but they are both events that are anticipated and can be prepared for in advance.

This is the time of year when folks hope they have prepared well for their taxes. Most people prefer to get a tax refund rather than a tax bill. They hope the calculations have been made correctly and the payments made throughout the year will be enough to offset the sting of a big tax bill come April 15^th.

Hmmm… come to think about it, most folks don’t typically look forward to a big funeral bill at the end of their life either. Few want to leave their family responsible for funeral costs. However, many people don’t plan to offset that expense like they do their taxes.

Even though most people, 62.5 percent according to the National Funeral Directors Association’s (NFDA) annual Consumer Awareness and Preferences Study, think it’s important to plan in advance. Only a small percentage (21.4 percent) actually act on their good intentions. Why? They have the perception that prepaying is too costly.

Most people are unaware that prepaying does not mean you must pay in one single payment. Many funeral homes offer specialized programs that allow funerals to be paid in advance, just like taxes, in small, easily-digested bites. Payments can be made on a variety of schedules allowing the consumer the opportunity to choose how long to stretch out payments and how often to make those payments. Individuals can even choose to make one payment per year! That means a person could choose to put their tax refund toward their funeral. Taxes could pay for death!

What about that roughly one quarter of people who do go beyond thinking they should make a funeral plan and actually make one? How do they feel once they have their plan in place? Ahh, they feel good. Funeral planners often say they see shoulders go down, hear audible sighs of relief and get hugs at the conclusion of a planning session. It’s like cleaning out the junk drawer: something most folks put off, but when they dig in and get it done, it feels so good they just keep going back to sneak a peek at that drawer all in order.