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How to use the Funeral Saver’s Kit

By Mike Testa · Comments (0)
Wednesday, January 4th, 2012

Since I don’t know your exact circumstances, I am going to make a couple of assumptions:

 

1.     you don’t want to become a funeral “expert” – you just need basic, reliable information that will save you money and allow you to make good decisions.

 

2.     you don’t have a lot of time to spend on learning this information – possibly because a death has already occurred – so you prefer to learn what you need to as quickly as possible.

 

….with these considerations in mind, here is how I recommend you use the Funeral Saver’s Kit:

 

1.     Listen to the short audio message

 

2.     Read all of section 1 – it’s brief and to the point

 

3.     Read all of section 2 – you can get through this material quickly and it will help you choose the right funeral arrangements based on your preferences and budget.

 

4.     Make the following decisions (you will have enough knowledge to make these decisions after reading section 2):

a.     What type of services and goods do you want?

b.     How do you want to dispose of the body?

c.     What type of memorial (if any) do you need?

 

5.     Read the brief “introduction” to section 3 to learn how to get actual prices from funeral homes in your area.  

 

6.     Compare funeral prices using the simple “Cost Comparison” form and choose a reasonably-priced funeral home. 

  

7.     Use money-saving tips from section 3 of the kit to lower the funeral home’s bill by up to 70%.

 

8.     Make an appointment with the lowest-priced funeral home and finalize your arrangements.

 

Click to get a copy of the Funeral Saver’s Kit now.

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Categories : Funeral and Cremation FAQ's
Tags : Funeral Saver's Kit

What you need to know about funeral prices

By Mike Testa · Comments (0)
Sunday, January 1st, 2012

I’ll admit that gathering information about funeral prices is harder than it should be.  In addition, funeral homes and cemeteries are subject to different requirements when it comes to providing you with information about their prices and options. 

Funeral prices are not set in stone

If you only take away one thing from this article it should be this: funeral prices can vary greatly from one funeral home to the next.  This means a funeral service at one funeral home can cost thousands of dollars more than a similar service held at another funeral home right down the street….so it pays to shop around!

Why we don’t compare funeral prices

Unfortunately, most people do not compare prices between funeral homes.  This is understandable for a couple of reasons:

  • We don’t like to talk about or plan for death
  • Funeral plans often need to be made quickly – this can be especially burdensome when the death was unexpected
  • Most people simply do not know enough about funeral planning to even know what questions to ask or what items to compare
  • No one wants to be perceived as being cheap when it comes to making funeral arrangements for a loved one

However, you should approach the process of buying funeral goods and services just like you would any other major purchase – take the time to educate yourself as to the options and prices available in the marketplace.

Unfortunately, many funeral homes and cemeteries are reluctant to share their prices with you unless you use specific language when making your request.  They know they stand a much better chance of selling you an expensive funeral if they can first get you into their office before providing any information about funeral costs. 

The good news is that there are specific things you can say that will force the funeral home to give you their price information for FREE….and no funeral home would ever dare give you a sales pitch when you use this specific language.

An easier way to gather information about funeral prices

If you’re using the Funeral Saver’s Kit you’ll find a simple chart that clearly explains an easy (and low stress) way to collect pricing information from any funeral home in your area.  The kit tells you exactly what to say to ensure you get honest information at no cost to you.  You can use this to collect information from every funeral home in your area or just those that interest you.

 The best advice I can give you when it comes to collecting funeral price information is this: DON’T be afraid to pick up the phone and call it least three funeral homes in your area and ask them for a copy of their “general price list”.

Each funeral home’s general price list will describe services and merchandise in similar terms.  This makes it easy to compare relative prices between competing funeral homes.  Also, if a funeral home gives you a hard time about giving you information about their prices, forget them.  That’s a good clue they know their prices will not compare favorably to their competitors. 

Remember to compare your local price information to the actual price ranges included in the Funeral Saver’s Kit…so you can be certain you’re getting a fair deal.

Click for more detailed information about funeral prices.

 

 

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Categories : Tips to Lower Funeral Costs
Tags : Funeral Home, Funeral Information, Funeral Prices, Funeral Saver's Kit, Funeral Shopping, General Price List, GPL

What costs are associated with a traditional funeral service?

By Mike Testa · Comments (0)
Thursday, December 29th, 2011

This post provides price ranges for many of the items associated with a traditional funeral service.  Reviewing these considerations will help you identify the type of funeral service most appropriate for your budget.  

A traditional funeral service can cost nearly $10,000

While the average funeral costs nearly $7,500, many traditional funerals cost in excess of $10,000.  Here are the main components typically associated with a traditional funeral:

  • casket: $2,300
  • funeral director’s basic services fee: $1,400
  • embalming and body preparation: $600
  • viewing / visitation ceremony: $400
  • funeral ceremony: $450
  • transportation (pick up body, limousine, and hearse): $625
  • miscellaneous (certificates, permits, music, clergy, obituary, register book, service folders, obituary, flowers): $500
  • grave site $1,000
  • fee to dig grave site $500
  • headstone $1,500

The above costs represent national averages for many of the costs associated with a traditional funeral service.  Your actual costs could be higher (or lower) based upon geographic location, the funeral home you select, and the actual items you purchase. 

Click to learn more about the cost of a traditional funeral service.

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Categories : Funeral Planning Guidance
Tags : Funeral Costs, Funeral Prices, Traditional Funeral, Traditional Funeral Service

If you need help paying funeral costs, request or negotiate a discount from the funeral home and cemetery

By Mike Testa · Comments (0)
Monday, December 26th, 2011

Contrary to popular belief, most funeral directors are willing to give discounts to families that ask in an appropriate manner.  Many goods and services provided by a funeral home can easily be discounted by several hundred (or even several thousand) dollars before the funeral home starts to lose money.  Since most funeral homes buy their merchandise from the same few suppliers, they should be able to sell their goods and services for a similar price. 

However, if you come across a particular funeral home that is selling its merchandise for considerably more than other funeral homes in the area, they may be a good candidate for negotiating a lower price on funeral costs. 

If you don’t want to do the legwork yourself you can use a resource like the Funeral $aver’s Kit to quickly gauge which items are negotiable and how much of a discount is realistic.  The kit also shows you the proper way to discuss and negotiate a discount with the funeral director.  This simple, non-confrontational method has been proven to increase your chances of getting a fair deal.    

Click here to learn more about negotiating a funeral discount.

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Categories : Tips to Lower Funeral Costs
Tags : Cemetery, Funeral Director, Funeral Discount, Funeral Home, Funeral Sale, Funeral Saver's Kit, Negotiating a Funeral Discount

How to write a eulogy

By Mike Testa · Comments (0)
Friday, December 23rd, 2011

Eulogy is pronounced like this:  /Yule-ah-gee/

A eulogy is simply a speech about a loved one who has died. This speech is usually given during a memorial or funeral ceremony.  While it is often given by a close friend or relative of the deceased, it can also be given by a religious leader. 

Don’t stress out over giving a eulogy.  Think of it as a simple conversation with the family and friends about the life of the person who has died.  Remember, the funeral or memorial ceremony is usually only attended by people that somehow mattered to the deceased.  They are eager to hear about the deceased and will appreciate anything you say. 

Also, almost EVERYONE is afraid of speaking in public so the “audience” is NOT expecting you to give a flawless speech.  If fact, if you “mess up” a little (or a lot), the audience tends to rally around you even more.  They really do!

There is no “right way” to compose a eulogy.  Since most people have no idea what a eulogy is supposed to sound like, you can pretty much create it any way you want.  Here are some things you may want to talk about:  

  • a brief “life history” of the person who has died
  • important achievements and events in the deceased’s life
  • details about family, friends, work, and hobbies
  • favorite memories of the deceased

Most eulogies last between 5 and 15 minutes but there are no hard and fast rules here.  You can also deliver “vignette” eulogies.  This is where several different people take turns speaking about the deceased.  For example, each of the children of a deceased parent could give a small speech about their favorite respective memory with the deceased. 

Breaking a single eulogy into separate vignettes gives others a chance to participate in the services and takes the pressure off of just one speaker.  Even if each person speaks for just a little while, it will seem like a longer, more robust speech because it takes time for each person to walk up to the podium and then return to their seat.

Basic steps for writing a eulogy:

  1. Write a brief chronological outline of the key events that occurred in the person’s life from the time of birth until death.  This will often remind you of several pivotal events experienced by the person (e.g. graduating from college, getting married, serving in the military, starting a business, etc.) that may be worth mentioning.
  2. Write down your favorite memories of the deceased.  Ask others (friends, relatives, co-workers) if they have favorite memories you can share.  Often times people have things they want to say during the funeral but they are either afraid to speak or aren’t afforded an opportunity. 
  3. Make a list of some of the things that were important to the deceased person….things he/she was passionate about.  This may trigger stories of their own that you can incorporate into your speech.
  4. Combine all your thoughts, ideas, comments, and memories into one giant list.  Review this list and decide which things you want to include in your speech.
  5. Organize your chosen comments into some type of order.  For example you might want to organize by:
  • Chronological date the events occurred
  • Common themes (e.g. family, career, work, hobbies)
  • Speaker (if you plan on using vignette eulogies); develop a schedule that shows when each person is to speak.

More eulogy tips

Write out your speech.  You may feel more comfortable writing out the entire speech or you may just decide to use note cards with a few sentences that will trigger your memory so you remember what it is you want to say.  Again, there is no one right way.  Some people will commit the speech to memory and never need to refer to their notes; others will look at their speech and read it word-for-word without ever looking at the audience.  Use whatever method is most natural for you.

Your speech can be serious, light-hearted, or a combination of both.  A mix of both seriousness and humor is most popular.  Funerals are a combination of sadness and celebration.  People will grieve at funerals, but it’s OK to laugh too.  It really is!

Also, since no one but you will ever see what you have written you don’t need to worry about grammar or spelling.  All you need is to have something in writing that will remind you of what it is you want to say.  

Practice saying your speech out loud while in front of a mirror.  This will help you develop a natural speaking rhythm and will highlight any verbal or physical habits that could be a distraction to your audience.  

Remember to take a clean copy of your speech with you to the funeral home.  You can either write it out word-for-word or just make a few necessary note cards to trigger your memory. (Make sure you number the note cards so you can keep them in order.)

 Delivering the eulogy:

 Focus on honoring the deceased instead of worrying about how your speech will sound to others.

  • Take deep breathes before beginning your speech. This will help you regain composure and slow your heart rate down.  This will also help you speak in a slower, more controlled manner.  
  • Take a drink of water before speaking (or take something to drink with you to the podium) to keep your mouth from getting dry.    
  • Remember: that it’s OK to show emotion. If you become emotional and start to cry, that’s perfectly normal (even if you are a guy!). No one will think any less of you.  Take time to regain your composure, but if you’re unable, simply say “I am sorry, but I can’t go on right now” and return to your seat.  The funeral director or clergy member will step in and continue the ceremony from where you let off.

One final thought:  It’s an honor to be asked to give a eulogy.  You wouldn’t have been picked if you weren’t special to the deceased in some way.  Others know this and they will EXPECT you to be grieving too.

 

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Categories : Funeral Planning Guidance
Tags : Cremation, Eulogy, Funeral, Funeral Home

Funeral Home Services: what’s the difference between a funeral service and a memorial service?

By Mike Testa · Comments (0)
Tuesday, December 20th, 2011

 Funeral homes provide different services depending on the needs and preferences of the decedent’s family.  While many people use the phrases “funeral service” and “memorial service” interchangeably, they are actually different services.

A “funeral service” is any official ceremony that takes place in the presence of a casketed body.  In other words, the body (inside a casket) is present during the ceremony.  The casket lid may be open or closed.

A “memorial service”, on the other hand, is any official ceremony that takes place without the casketed body being present.  For example, the ceremony might take place with just an urn containing cremated remains (i.e. “ashes”) serving as the focal point of the ceremony.  Alternatively, the focal point could be just a picture of the deceased displayed on an easel. 

Other than this distinction, both a funeral service and a memorial service are similar.  Both types of services last approximately 25 minutes and are usually accompanied by a eulogy delivered by a family member or clergy member.

Usually, a funeral home will charge the same amount for a memorial ceremony as they charge for a funeral ceremony (around $500).  Remember, the ceremony itself is just one component of overall funeral costs.  A typical funeral or memorial service can easily run more than $7,000.

There are many things you may want to consider when deciding between a funeral, memorial, or cremation service. 

Learn more about funeral and memorial options.

 

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Categories : Funeral Planning Guidance
Tags : Cremation, Funeral, Funeral Home, Funeral Service, Memorial Service

What is direct cremation?

By Mike Testa · Comments (0)
Saturday, December 17th, 2011

This article discusses direct cremation.  There are three main reasons people choose cremation over body burial: 

  • it’s less expensive
  • it saves land
  • it provides increased mobility (i.e. it is easy to transport / relocate cremains)

A point of clarification before we get started: cremation replicates the same process that a buried body eventually undergoes.  Over time, a buried body decomposes and ends up as ashes – just like what happens through cremation.  

A description of direct cremation

When you choose direct cremation, the body is taken directly from the place of death (or morgue) to the crematory where it is exposed to high heat and reduced to a sand-like consistency.

Normally, the body stops at the funeral home or crematory (some funeral homes have their own on-site crematory) just long enough to secure the death certificate and cremation permit – and for the family to sign the cremation authorization form.

No funeral or visitation ceremonies are held when you choose direct cremation. Furthermore, the body is not embalmed, nor does it receive hair care or makeup application.  Since the body will be cremated without first having a viewing ceremony, these services are unnecessary.

You do not need to purchase a casket for the cremation process.  You can instead choose to place the body in a special cardboard box known as an “alternative container.”  This saves the expense of buying an expensive casket.

The actual cremation arrangements can be made directly with a crematory or at a funeral home.  Some funeral homes do the cremation themselves; while others contract the actual cremation out to a separate crematory.

Direct cremation:  a summary of the main steps

  • removal of body to funeral home or crematory
  • obtain permits and authorization
  • body heated in a cremation oven (called a “retort”)
  • cremains (i.e. ashes) returned to family
  • family can dispose of cremains as they see fit

Most families simply take the cremains home in a cardboard box or urn.  Some families will later decide to scatter the cremains at a favorite location, bury them in a cemetery plot, or store them in an urn on the living room mantle.  There are lots of options for cremains.  Click here to learn more about direct cremation options and prices.

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Categories : Funeral Planning Guidance
Tags : Direct Cremation

What you must know before planning a funeral

By Mike Testa · Comments (0)
Wednesday, December 14th, 2011

Before planning a funeral you should know that death care in America is a business.  There are service providers (e.g. funeral homes, cemeteries, and headstone dealers) and there are consumers (people like you and me who need to make funeral arrangements). 

 

Like any business, funeral homes and cemeteries should provide their goods and services on an honest and fair basis.  Unfortunately, this rarely happens as several characteristics unique to the funeral industry place the consumer at a significant disadvantage when making funeral arrangements. 

 

Unique characteristics inherent in planning a funeral:

 

·        disorientation caused by bereavement

·        infrequency of purchase

·        lack of objective information

·        the need to make decisions quickly

·        social taboos surrounding death

·        lack of standards by which to judge funeral goods & services

·        the fact that most people:

o       fail to view funeral arrangements as a business transaction

o       are ignorant of the law as it pertains to disposal of the dead

o       know very little about how a funeral home operates

 

Together these characteristics place consumers at a significant disadvantage when making funeral arrangements.  Funeral homes are staffed by experienced salesmen who deal with the business of death every day.  These professional salespeople square off against emotionally distraught families forced to act hastily with little or no information about legal requirements and available options.

 

The profit-obsessed nature of the funeral industry creates a conflict of interest between the desire for sales and the consumer’s need for meaning and affordability.  The funeral home can make substantially more money if they can manipulate a family into buying unnecessary and overpriced items.  In this unbalanced and highly charged environment, purchase decisions are often based on what the funeral home offers to sell instead of what the family wants (or can afford) to purchase.  This increases consumer costs and decreases consumer satisfaction with the goods and services received. 

 

This website and the Funeral Saver’s Kit ”level the playing field”.  Together they give you, the consumer, objective information and tools needed to understand, evaluate, and make satisfying and affordable funeral arrangements. 

 

A major assumption that lies behind modern funeral practices is that “nothing is too good for the dead”….but you are NOT being disrespectful to the deceased by being practical regarding the arrangements.

 

Most people want to avoid looking cheap when making funeral arrangements.  They want to arrange “a nice, decent funeral”, but they have no idea what a nice, decent funeral looks like.  And everybody is concerned about price – so don’t feel guilty about wanting or needing to make less expensive arrangements.  Did you know that when President John F. Kennedy died, even his family didn’t want to overpay?  The Kennedy family’s accountant was hired to review the funeral home’s bill and identify unnecessary charges.  In the end, the accountant was able to save the family a substantial amount of money.

 

There will be a temptation to just throw up your hands and let the funeral director make all the decisions because of time pressures, uncomfortable decisions, and the emotional stress of dealing with all the pertinent details, but that can be an expensive and unnecessary mistake. 

 

Next to a house and car, a funeral is the third most expensive purchase the average American citizen makes during his lifetime.  Just as you are careful when buying a car or house, being careful when making funeral arrangements can result in tremendous financial savings.

 

The Funeral Saver’s Kit, along with this website, gives you honest advice regarding choices and prices…after all, you have to live the rest of your life with the decisions you make in an hour or two; if you waste money now, it’s gone forever.

 

The key to feeling comfortable and saving money is knowing the available alternatives and asking for them – and that’s what you’ll learn using the help you find here. 

 

Remember, stripped to its simplest form a funeral is merely saying goodbye and disposing of the remains…all else is really unnecessary.

 

Click here to learn more about planning a funeral.

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Categories : Funeral Planning Guidance
Tags : Death Care Industry, Funeral Home, Funeral Saver's Kit, Planning a Funeral

Lower funeral costs by taking advantage of any military benefits due the decedent

By Mike Testa · Comments (0)
Sunday, December 11th, 2011

Before spending thousands of dollars at the funeral home and cemetery, check to see if the decedent qualified for free funeral items from the government.  Why pay for something the government is willing to provide for free?  After all, the decedent has already earned it! 

Many military veterans are eligible for free grave spaces and headstones.  You can search online for information about military benefits or check out section five of the Funeral Saver’s Kit.  It’ll show you which services and goods are provided at no cost by the U.S. government and how to claim your benefits.   

Note: be aware of so-called “free grave” scams that are sometimes offered to veterans.  This is where the veteran is offered a free grave site, but upon death, the family has to pay an unusually high price to have the grave site dug. 

Because many surviving spouses want to be buried next to their deceased spouse, the cemetery may also double the price of all surrounding graves.  This allows the cemetery to make up any profits lost on the veteran’s “free” grave. 

Not surprisingly, these scams end up costing surviving spouses and children thousands of unexpected dollars every year.

Get copy of the Funeral Saver’s Kit and learn how to claim free funeral benefits from the Federal government.

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Categories : Tips to Lower Funeral Costs
Tags : Cemetery, Free Grave Scam, Funeral Costs, Government Funeral Benefits, Military Benefits, Veterans

Basic facts about the cremation process

By Mike Testa · Comments (0)
Thursday, December 8th, 2011

This brief article shares facts about the cremation process.  Most bodies that are cremated are placed in something combustible.  Typical cremation containers include heavy cardboard trays, cardboard or wood caskets, or canvas body bags. 

Only 15 percent of cremations include the use of a casket.  This means nearly 85 percent of cremations take place using a less expensive cardboard container or canvas bag. 

Cremation process

The typical cremation process takes somewhere between one and two hours to complete.  The actual time varies in proportion to the size of the deceased, with larger bodies taking slightly longer to cremate. 

Cremation heats the body and container at a high enough temperature to reduce all contents to cremains.  “Cremains” is the technical term for “ashes.”  A normal adult body yields between five and seven pounds of cremains, enough to fill a 12″X 4″ container.

Cremains are generally gray in color and have a consistency similar to playground sand or fine gravel.  From an environmental standpoint, cremains are sterile and non-polluting.

Most funeral homes return cremated remains in a small cardboard box fitted with a plastic-bag liner.  Sometimes the funeral home will stamp the word “temporary” on the box in an effort to sell the family a more permanent – and expensive – urn.  However, you do not need to purchase an urn because any container, including the simple cardboard box, is sufficient for storage purposes.

You can learn more about the cremation process in the Funeral Saver’s Kit.

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Categories : Funeral Planning Guidance
Tags : Cremation, Cremation Process
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