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How Irrevocable Funeral Trust Funds Work

Posted by on Aug 26, 2015 in Uncategorized |

Quickly raising the money for a funeral can cause a financial hardship for many families. However, with some careful planning and foresight, you can make arrangements to pay for your funeral ahead of time. Irrevocable funeral trust funds allow you to set aside money months and years before you pass away to pay for the type of funeral you desire. Here is how you can set up an irrevocable trust fund to pay for your funeral costs. Irrevocable Trust Funds An “irrevocable” trust fund means that once you place the funds in the trust the funds cannot later be withdrawn by you or the funeral home for any other purpose besides paying for your funeral. The funds can only be accessed after you have been buried and the bill is due. If your funeral expenses end up costing less than the amount in the irrevocable trust fund, the excess amounts goes to your heirs or beneficiaries. Choose a Funeral Home You will work with a local funeral home, such as Fluehr Funeral Home, to set up the trust fund. They will help you plan and determine the costs of your funeral. You want to make sure you choose a reputable funeral home that you expect to be around at the time you pass away. They will have the paperwork you need to set up an irrevocable funeral trust fund. Payment Plans You have two choices when funding a funeral trust fund: you can either pay the whole amount in one lump sum, or you can make monthly payment arrangements until the trust is fully funded. Lump Sum Payment. You use existing money to pay for your funeral expenses at today’s prices. If you pass away twenty years from now, your funeral expenses are covered regardless of inflation rates or increases in funeral costs. Monthly Payments. If you don’t have the money to make a lump sum payment, you can make payment arrangements to fund the irrevocable trust over a couple of years. This allows you to budget for your final expenses without limiting your ability to meet your monthly living expenses. Money is Protected The money in the irrevocable trust fund is protected from creditors, nursing homes, and Medicare (protection from Medicare is subject to limitations in the amount in the trust fund – contact Medicare for current data on what those financial limitations are currently, or ask your funeral director at the time you set up the trust fund). This means you’ll have the type of funeral you wanted regardless of whatever else happens in your life. Financial Institution The funds are placed in a special irrevocable trust fund account in a financial institution where the money will earn interest until it is taken out at the time of your death. The interest earned on the money is deposited into the account and cannot be touched. The interest earned on the account offsets the increase in future costs for the funeral you planned ahead of...

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How To Make The Death Of A Loved One Less Traumatic For Your Young Child

Posted by on Jun 25, 2015 in Uncategorized |

The loss of a family member is a tough experience for everyone involved, especially for young children who don’t yet fully understand the concept of death. Your little one knows something is wrong whether you directly tell them the situation or not, so it’s best to be direct and explain things in a way that helps them accept the loss and naturally grieve. Here’s how to make the death of a loved one less traumatic for your child: Keep Communication Open It’s important to keep communication open with your little one after they’ve been told about the loss. Avoiding questions is a surefire way to make your child feel uncomfortable about the situation, and it may even cause some resentment. While some questions you’re asked may be awkward to answer, think of each one as a teaching opportunity that will stick with your child for a lifetime. Be honest about the process of losing a loved one and check out some child-friendly books from the library that will help to explain how and why death happens. If you don’t know the answer to a personal or factual question, find the answer together by asking another family member or consulting a professional, perhaps someone from those providing the funeral home services (such as Farone & Son Inc). Do an Art Project A great way to help your child process their feelings and healthfully mourn your loved one is to do an art project together that allows each of you to paint a scene of favorite memories that can be dropped into the casket at the funeral as a good-bye ceremony. This ritual creates a deep family bonding opportunity and helps to release fear as well as anxieties. Consider making a copy of the photos you create together so your little one can have a copy of their own to keep and reflect on as they get older. Frame a Photo To help your child keep their memories of your loved one alive, have a photo of the two of them together framed and hang it on the wall in their room. This will give you an opportunity to refer to the photos as an aid when telling stories about old times, and ensure that the face of your lost loved one is not soon forgotten. Hopefully, the lesson learned by your child is that while the body may die, memories never do. These methods will help minimize the chance that your little one dwells on the loss of your loved one, and instead cherish the memories that were made together in the...

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5 Things To Avoid Saying At A Funeral

Posted by on May 5, 2015 in Uncategorized | 0 comments

Attending a funeral or memorial service is a good way to pay your respects and express sympathy to the close family members of the deceased. Unfortunately, it can be hard to figure out what to say. There are also some things you should avoid saying, as they can come off as hurtful and disrespectful. Here are some things to be careful not to say when attending a funeral service. Asking What They Got in the Will This is tacky and disrespectful, to say the least. You should never approach someone and ask what they got from their loved one who has died, especially not during the funeral or memorial service. This is a very personal situation and there is no right time to ask it. There may be some slight exceptions, such as if it is your best friend and you always share everything, but try to wait for them to bring it up to you. At least wait until the funeral services are over before broaching the topic. Complaining About Their Bad Qualities Another rude thing to do during a funeral service is to shine light on a person’s flaws or bad qualities. Regardless of the life they led, a funeral is about remembering the happy moments. Their loved ones want to remember the good qualities and why they loved this person so much. Nobody wants to hear about why you didn’t like them or have you tell stories that would be disappointing for others to hear. Being Overly Empathetic If you have never been in this person’s shoes, don’t try to show empathy and act that you know what they are feeling. While it seems like something nice to say, it isn’t helpful during a funeral. It is okay to express sympathy and tell them how sorry you are for your loss, but saying “I know how you feel” is only appropriate if you really do. If they lost a parent, child, or sibling and you never have, don’t try to connect with them over this. Explaining How They Are no Longer a Burden If the person who is deceased needed a lot of assistance during their final years, do not bring this up as a good thing. Their family likely did not feel that they were a burden and don’t want others to reassure them it is all okay because now they don’t have to worry about them. Since you might not even know the exact situation, this isn’t a safe thing to say during a funeral. Reiterating How Devastated They Must Be While this is another comment that doesn’t seem harmful, it can be. Even if you know your friend is grieving terribly for her husband, you don’t need to explain how hard it must be for her. This is only reminding her of how difficult of a situation losing her husband is, she doesn’t want you to rub it in. Knowing what is expected of you at a funeral can help you avoid uncomfortable situations. You can contact a funeral home, such as Conboy-Westchester Funeral Home Inc, to research standard funeral...

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Step-By-Step Adoption Guide

Posted by on Mar 5, 2015 in Uncategorized | 0 comments

Choosing to adopt a child can be a life changing experience. Many couples cannot have children naturally, but they certainly want a child of their own. Often, birth parents simply cannot support a child and offer their children to be adopted. If you’re considering adoption, there are certain steps that must be followed. Making the Decision Determining whether or not adoption is best for your family is the first step in the process. Talk to your spouse about the pros and cons of adoption, and take a look at your state’s adoption laws and requirements. Go over your budget and decide if you think you will be able to provide for a new member of the household. Think about the many emotions involved in adoption and always remember that the decision is permanent. Deciding on Your New Family Member Most people go into the adoption process with a newborn infant in mind. But for some, an older child might be more viable. Do you want a child of a certain race or gender? How about children with health issues or special needs? Can the child be adopted from a foreign country, or do they have to be born in the United States? If you already have other children, how well will the new addition fit into your current family structure? Getting Help Once you’ve talked about your adoption decision, it’s time to enlist the help of a professional adoption agency. These agencies are designed to help couples navigate the often complicated process. They can sit down with you and discuss your specific desires for certain types of children and assist you with the paperwork process. Decide if you’d prefer a public state-funded agency or a private one. The private agencies do tend to charge higher fees for their services, so keep this in mind. Home Study Of course, before a child can be adopted, an assessment of their potential new home will need to be made. With a home study, a lot of documentation will need to be provided, such as financial records, proof of employment, social security records, your marriage license, and even health records. This process is rather involved and can take anywhere from two to six months to complete. The agencies want to be sure the children are going to be adopted by a stable and loving home. Once you’ve been approved, you will be placed on a waiting list and contacted once a potential child is up for adoption. For more information, contact a business such as A Child’s...

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Wedding Dress Shopping Made Easier: What You Should Know

Posted by on Jan 30, 2015 in Uncategorized | 0 comments

When you get engaged, your excitement to start planning begins almost immediately. The central element that sets the tone for your entire wedding is your dress. Because of this, you feel a great deal of pressure to pick the right dress. Plus you have heard all about the “bridal moment” you will have when you try on the perfect dress and everything just falls into place. This pressure and need to find the right dress for your big day, can make wedding dress shopping difficult and daunting. However, there are some simple steps that you can take to make your wedding dress shopping experience easier and more fun.  Look Through Your Closet One of the best indicators of the right silhouette for your body type is to look at the dresses you already own. Think about any formal gowns or even prom dresses you have purchased. You put a great deal of thought into these purchases and chose the dress that was most flattering for your body.  However, your body size and shape may have changed since the last time you purchased a formal gown. Because of this, you can also base your silhouette choices based on your body type. Curvy ladies can benefit from the curve-hugging mermaid or trumpet silhouette that flairs out at the bottom. An extremely slender bride, on the other hand, may want to look for an a-line or sheath dress.  Set A Budget Before you hit the store or even go out shopping for bridal magazines, set a strict budget for your wedding dress. To do this, you will need to decide how much money you plan to spend on your wedding as a whole. Your dress and the groom’s tuxedo or suit should account for only about ten percent of this total budget.  Once you have a maximum spending limit in mind, you can begin looking through bridal magazines for dresses that would fit your body and match your budget. Only then will you be able to take the final step and head to the bridal store. When you do so, be sure to go with a few other ladies who know your budget. They can help keep you on track so you do not get too swept up in the fun of the experience. Do Not Be Afraid To Think Outside The Box When you get the bridal store with a set style, color, and favorite dress in mind, you will likely have a bit of tunnel vision. You want to find a set of dresses to try on that meet all of your predetermined criteria.  However, there may be a dress that falls outside of your criteria that catches your eye at the bridal store that you just cannot get out of your head. Rather than continuously try to talk yourself out of it, just go ahead and try it on. The worst that can happen is it doesn’t fit or isn’t right for you. The best that can happen is you found the surprisingly perfect dress for you.  Now that you know the ways to make your wedding dress shopping experience go more smoothly, you are ready to get started finding the perfect dress for you. So, get to work and enjoy your wedding planning experience. See websites like

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4 Tips For Easing The Transition For Older Adopted Children

Posted by on Jan 7, 2015 in Uncategorized | 0 comments

Are you thinking about adopting an older child? Adopting an older child is an extraordinarily fulfilling process and you can make a real change in a child’s life. That being said, it can also be a challenge. By working closely with the adoption agency and your child, you should be able to clear the worst of the hurdles. But you will need to put in a significant amount of work. 1. Learn as Much About Your Child’s History as Possible Every child comes from a unique background and some backgrounds are more troubled than others. It’s best that you learn as much about your child’s history as possible so that you can understand and adjust to their unique circumstances. Understanding your child will help you anticipate their needs and will help you sidestep major issues that could become a problem otherwise.  2. Consider Therapy Early Therapy isn’t always just for children that have problems. Therapy can be used to help children work through their emotions to prevent problems, too. Coming into a new family is undoubtedly a complicated experience for any child, and a therapist can help. A therapist will give them a neutral party that they can talk with about what is going on inside of them. Otherwise, they may be too confused or eager to please to openly discuss their concerns with you. 3. Get Medical Advice and Testing Older adopted children may have issues such as learning disabilities or untreated health problems, like ADD. It’s important to get these diagnosed quickly. It is not that the adoption agency isn’t performing rigorous tests, but children in foster care simply may not be in a stable enough situation to show the symptoms of these issues. Once your home situation has settled down, you will be able to more adequately assess your new child to understand any of their medical or psychological difficulties.  4. Take Time for Yourself The entire process of adoption can be exhausting, and it can be especially difficult because you feel you need to give your all to your new child. But it’s important for you to take time for yourself and your own physical and mental health. Don’t hesitate to take the time you need, as it will make you a more patient and loving parent overall.  Adopting an older child is usually a much easier process than adopting a younger child–but that’s just the actual process of adoption. Older children come with unique challenges that will need to be tackled one by one. Nevertheless, there’s nothing more valuable than making a change in a child’s...

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