Blog | Sytsema Funeral & Cremation Services

Age-Associated Financial Vulnerability

Read this blog even though you don’t want to. Especially if you or your parent is over 65 or living alone. Age Associated Financial Vulnerability is a real thing and it affects intelligent independent people. The Consumer Financial Protection Bureau puts the cost of elder financial exploitation as high as $36 billion a year.

If you are or you know anyone over 65 you know about the exploitation part. Those calls that come many, many times a day and at increasingly unorthodox hours of the day. Why are older Americans targeted? Because they hold a large percentage of the wealth. Some estimates have the over age 50 population holding as high as 83% of America’s wealth. And as we age, we become more vulnerable. It’s as simple as that.

If you think you are not a likely candidate for fraud, think again. Victims are not who you think they are. They are high functioning seniors and often test as “normal “on cognitive function assessments. It’s complicated. You can check out the report Brains and Losses at marketplace.org. It has to do with changes in our brains as we age. How we process information when we are in emotional state. That includes being angry (at the caller) being scared or just being a nice person. Scammers know how to exploit our emotions.

Bottom line, living alone increases susceptibility because, when you are alone you don’t have that close contact to hash over a call or contact you receive. Prevention is the key. If you are living alone, open-up to someone you trust. If you have a parent or relative living alone check in on them regularly. Don’t judge. Make yourself available. Ask your parent what they know about scams. Teach your parent how to screen calls.

Being susceptible does not mean an older person needs to go to a nursing home or lose independence. It does mean both the aging and those who love an older person need to be on their toes, maintain close contact, and have open conversations.

Some ideas about setting hard and fast lines of defense will follow in a later blog at this site.

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How to personalize a funeral

A “personalized” funeral is not just for the rich and famous. When someone we love dies, we want to remember that person. We want to celebrate the life that was lived. A life story does not have to have a dramatic plot twist or culminate in fame and riches to be worthy of remembrance.

So, how does one go about putting together a life celebration?

Pictures are a great place to begin. Look for pictures that span their lifetime, show their personality, celebrate their relationships and friends, put them in the context of their work, hobbies, or passions. Most funeral homes now have equipment to create a video that can be shown in a loop on a television or larger screen. It is also relatively inexpensive to get photographs of those milestone moments made large. Ask your funeral director how these can be displayed at the funeral. They can also direct you to local retailers who will be able to assist photographs.

Consider integrating pictures with the eulogy. For example, the eulogist might share stories about the childhood years of the person who died while childhood pictures are shown in the background. Don’t be shy about asking the funeral director for what you envision. Maybe you would like two different video tributes. One might showcase family life and one sports, hobbies or special interests. Just ask, funeral directors want the service to be meaningful for the family and friends. They are there to help you honor your loved one.

Music can also be a great background and can be integrated into the service. Nearly every family has someone who can put together a play list. Choose musical favorites of the deceased. There are also many songs that relate to death or loss in every musical genre from country to classical. Be sure to check with your funeral director to make sure the format for the music you would like to use is compatible with the funeral home’s equipment.

There really is no end to the ways you can express the personality and interests of the person you loved and lost. Talk about your ideas with the key people in your family before you attend the arrangement conference with your funeral director. Then just ask away. Can we bring the dog? Can we bring in some of Mom’s artwork? Can we give everyone a golf ball? Just ask you might be surprised to find your funeral director has some helpful ideas for a fitting farewell.

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Embalming … What Funeral Directors Do

What is embalming?

Embalming is the art of slowing the decomposition of the human body. The embalming process is carried out in a clean environment, and proceeds in a fashion similar to medical procedures.

First, the body is washed and sanitized, and the limbs are massaged to remove stiffness. The facial features are then set, eyes closed, and jaw fixed in a pleasant expression. The body’s own arterial system is used to replace blood with embalming fluid. The abdominal cavity is drained of fluid and gas and embalming fluid is injected into the organs. Once the body is prepared, the hair is washed and arranged, cosmetics are applied, and the body is dressed.

Why embalm?

We embalm because we are humans and it is human nature to want to see the person who died. “Seeing is believing” is often said and certainly true, especially when death is sudden or unexpected. We humans have a basic need to see in order to accept the reality of the death. Most people want and need time for a final goodbye. Embalming improves that experience and makes the body presentable.

Have we always embalmed?

Evidence has been found that as long ago as 5000 to 6000 BC, the Chinchorro culture of Chile and Peru practiced embalming. Ancient Egyptians believed the soul would return to the body, but only if it could recognize the body it belonged to. They developed complex rites and rituals surrounding mummification, a form of embalming. Embalming was also practiced by Aztec, Mayan, Ethiopian and Tibetan cultures. Xin Zhui, a Chinese noble woman who died 160 BC, was meticulously embalmed and her body is still recognizable today.

Embalming in America began during the Civil War. Hundreds of thousands of men were dying far from home and their families. Dr. Thomas Holmes was commissioned by the Army Medical Corp to embalm the bodies of Union officers so they could be returned home for their wives and mothers to gaze upon them one last time. Holmes embalmed more than 4,000 soldiers during the Civil War.

Is embalming required by law?

No law requires a body to be embalmed. However, most funeral homes require embalming with some service options. Your funeral director will be pleased to discuss all options with you. Today, embalming is standard practice in Canada and the United States.

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When the soul leaves the body … reacting to a sudden unexpected death

Sometimes, if you are open to it, you can receive amazing information in the most unlikely ways. For example, there was a driver who was taking a woman to the airport when she received the news that a family member had died. The woman gasped and her driver, who was from another culture, asked if she was okay. Normally she would just say “I am fine” because she is a private person. On this particular occasion, however, she shared her situation with this driver. Upon hearing the news, this gentleman shared his cultural belief and at that moment…it was exactly what she needed to hear.

He said, “When the soul leaves the body, it can take a long time or it can happen very quickly. No matter how, it is painful. It is painful for the one who is dying, and it is painful for those who are left behind. The separation of the soul from the body, that is the ending of life. That is death. No matter how it happens, there is pain.”

When death is sudden and totally unexpected, you may find that you and your family members react in ways that seem strange and unfamiliar. You get the call. Something terrible has happened. Someone has died. You are stunned.

As you begin to process the news, you may experience a strong pull to see where it happened. This is a normal response. Before you can accept the reality of the death you may have to see.

Seeing a loved one after their passing is not an easy thing to do, but it is necessary for many. If you feel you need to see, honor your need. The funeral director understands this need and can help you. Even if your mother always said, “I don’t want people to see me after I die”, she probably didn’t understand back then how her passing would affect you now. Talk to the funeral director and he or she will help you honor your mother’s wishes and satisfy your need as well.

In addition to accepting the reality that a death has occurred, those who experience a sudden loss also have the burden of working out how the death happened and why it happened. Many questions will go through their mind:

Who didn’t do what they needed to do to prevent the awful reality?
Who is accountable? Is it, me? Did I miss something?
Should there be a law?
Why? Why? Why?

This is a normal. Be patient with your family members as each of you must work through this in your own personal way. When the soul leaves the body it is always painful, but when it happens suddenly and unexpectedly, there are additional burdens to work through.

Make Family the Foundation for Funeral Planning

There are two ways to take care of funeral planning: 1) you can plan your own funeral in advance or 2) your survivors can plan your funeral for you after your death. Regardless of when or who plans the funeral, the planning needs to begin from the inside out. It needs to start with your family. Your family should be the foundation for funeral

After all, the funeral is not really for the deceased…it is for those who survive. We show respect for all human life in the manner in which we care for the body that housed the soul or spirit of our loved one. Respect and dignity for the body is important. The funeral helps those of us who survive as by changing our focus from the cause of the death to the life that was lived. The funeral is the beginning of our grieving process and that is why funerals are so

If you are planning in advance for your own final remembrance, begin by thinking of those who love you. Your spouse, your children, your grandchildren, your friends and even your co-workers, what will they remember? What will make them smile? What will comfort them? What will they need? When they think of you what will come to mind? How is faith a part of their

If you are planning a funeral for a deceased family member, involve the children, grandchildren and even close friends in the process. Ask them how they remember their friend or relative. Remember, we have all had a unique relationship with the deceased, so what you want to remember may be different from what your brother remembers. Ask your funeral director for ideas so they can help you capture and express the unique personality of your family member in the service

For many years funeral planning started with a different set of questions. It started with questions about the faith. What church did your mother belong to? It followed with questions about the decedent’s wishes. What do you think your dad would want? These are still good valid questions but basing the entire funeral plan on only these aspects may not touch every family

Mother may have preferred that no one see her after death, but if you, her daughter, need to see her, speak up. If you don’t share your brother’s faith and you need to hear a eulogy that is all about his life or see pictures that bring back your time growing up together, speak up. The imprint of the funeral sticks with the surviving family. It is literally the last memory we carry of someone we loved.