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Feb 12
Love0
Middle-aged husband and wife sitting on couch at home, reviewing documents together

5 Ways to Save Money When Funeral Planning

By Plan Ahead, Planning Tools No Comments

Across all businesses and industries, prices are going up. Gas prices, groceries, housing, transportation, manufacturing, and yes, even funeral costs. According to the National Funeral Directors Association, in 2021, the average cost of a funeral with a viewing and burial was $7,848 while the average cost of a funeral with cremation was around $6,971. In the coming years, these numbers will continue to increase, so the question is…is there a way to save money on a funeral?

Perhaps the most effective way to save money is to plan ahead for your funeral wishes. This is called “advance funeral planning” or “preplanning.” But before we talk about why preplanning is the best option, let’s discuss a few other avenues to consider when trying to save money on funeral expenses.

1. Choose a Preferred Funeral Home Partner

Two men in suits shaking hands

Funeral services and merchandise prices vary greatly even within the same general vicinity. Every funeral home is required by the Federal Trade Commission (FTC) Funeral Rule to present you with a complete price list upon request that is yours to keep. They must also give you price information over the phone if you ask for it. Do a little investigating before deciding on your funeral home of choice to find the right fit for you.

Some funeral homes offer package pricing, but make sure you understand what’s included in the package and what’s not. Also, consider the quality of the facilities and the staff when making a decision. The adage “You get what you pay for” is very true when choosing a funeral provider. Sometimes, spending a little more to receive better service, quality products, and attentive staff may be worth it.

2. Look into Veterans’ Burial Benefits

Next of kin receiving a folded flag during a veteran funeral

If you or your spouse is a veteran, you can save money on a funeral by applying for veterans’ burial benefits. If you meet the VA’s requirements, you (and your spouse) may be eligible to receive a free burial space at a state or national cemetery, a burial vault or grave liner, opening and closing of the grave, and a government-furnished headstone. These benefits can save you thousands of dollars in burial costs. To learn more, you can speak with a local funeral director or go directly to the Department of Veterans Affairs and speak with a Veteran Services Officer. You can also learn more by reading Veterans’ Burial Benefits FAQ.

3. Select Options that Fit into Your Budget

Dark wood casket with funeral spray resting on top

When you’re planning a funeral or memorial service, the funeral director is there to discuss your options and guide you through the planning process. But every decision is up to you. And if you are concerned about the cost, let your funeral director know. They will work closely with you to offer affordable options that meet your needs and fit your budget.

In general, cremation may save you the cost of a casket, full burial space, opening and closing of the grave, and a vault. However, you may still opt for a lower-cost cremation niche or burial in a cremation garden so that loved ones have a permanent memorial to visit after the death.

Another option that can offer some savings is a natural (or green) burial. Green burial options are not only easier on the environment, but they can also be easier on your wallet. Generally, green burial involves a biodegradable casket made of wood, bamboo, or wicker, no burial vault, and minimal or no embalming. However, green burial is not available everywhere, so ask your funeral director about the availability in your area.

Silver urn at a memorial service, man lightly touching the lid in remembrance

Keep in Mind, Sometimes Cutting Corners May Not Pay Off

Many families think that opting for a cremation with no service is their best option for saving money. It’s true that a direct cremation is probably the least expensive option, but you should also consider the emotional cost of not having a funeral or memorial service.

Nationally respected grief expert Dr. Alan D. Wolfelt believes that the funeral or memorial service is an essential part of the healing process. The funeral is a rite of passage, like a graduation or wedding ceremony. Skipping a loved one’s funeral or memorial ceremony can leave the bereaved feeling isolated and frustrated by unexpressed grief. If you are leaning toward cremation, be sure to allow an opportunity for friends and family to gather together. The experience will be a meaningful time of reflection and mutual support.

To learn more, take a moment to read Cremation and the Importance of Ceremony.

4. Do Some Things Yourself

Funeral program with red rose resting on top of it

There may be certain aspects of the funeral arrangements that you can do yourself or ask your social network to help you with.

For example, you may ask family members to bring potluck dishes to save on the cost of a caterer. If you want a tribute video, you may know someone who is good with video editing who can assist you. You could design and print your own programs. And if you want, you can even purchase a casket or urn online. Remember, anything you do on your own must be coordinated with the funeral home to ensure the best possible experience.

While you may want to do some things yourself, the funeral home staff is there to alleviate any or all of these burdens for you. Remember, your time is valuable, too.

5. Plan Ahead for Your Funeral Wishes

Middle-aged husband and wife sitting on couch at home, reviewing documents together

Finally, the best thing you can do to save money on funeral expenses is to plan ahead. If you are dealing with a death right now, this advice comes a little too late, but keep it in mind for the future. Once you’ve chosen your preferred funeral provider, ask to speak with a prearrangement specialist. Most funeral homes offer free advance funeral planning services, so take advantage of this opportunity to understand your options.

When planning ahead, it is much easier to stick to a budget and choose only the options you know you want. Planning ahead also prevents your family from paying for options you do not want! For everyone involved, it helps to make decisions with a cool, calm, and collected head rather than in a time of grief. On top of that, you can sign up for a prepaid funeral insurance policy, which can grow over the years and cover the cost of inflation.

Mature husband and wife sitting at home reviewing funeral options with funeral director

To learn more about advance funeral planning and prepaid funeral insurance policies, check out these resources:

As you can see, there are several different ways to save when planning a funeral. If you are planning a funeral or have a loved one who may pass away soon, be open with your funeral director about your financial situation. The vast majority of funeral directors deeply care about your needs and situation and will help you identify the options that work best for you. And if you aren’t currently planning a funeral, consider doing a little advance preparation. By doing so, you not only save money, but you also protect your family from future stress and worry.

Feb 09
Love0

5 Things You Didn’t Know You Could Do for a Funeral

By Educational, Meaningful Funerals

For many years, every funeral was pretty much the same – copy & paste – but times are changing! Today, most families and funeral homes are moving away from cookie-cutter funerals and toward personalization and modernization. What does that mean? It means that you have more options and more opportunities to honor a loved one’s life in a truly meaningful way. 

To give you a glimpse into the possibilities, let’s discuss 5 things you didn’t know you could do for a funeral. 

1. Choose Your Venue

Red rose between rocks on a sandy beach

Traditionally, funerals have taken place at the funeral home or in a place of worship. While you can still have the funeral at either of these places, you have even more options now. Funerals are now taking place at parks, local businesses, beaches, barns, golf courses, and many other places. If you prefer to have the service at the funeral home, do it! And if you’d rather choose a different venue entirely, talk with the funeral director about the possibilities in your area. 

2. Combine Traditional Elements with Cremation

Mourners at a funeral saying goodbye at the casket

Cremation has been considered the quick and easy option for a while. But really, there are a lot more choices than you’d think! You can still have the convenience of cremation while keeping traditional service elements. For example, you can have a service with the body present by using a rental casket (more info here). Then, after the service, the body is transported to the crematory instead of the cemetery. To learn more about your options, speak with a funeral director. 

3. Add Customized Personalization

White, horse-drawn funeral hearse

When you’re saying goodbye to someone you love, it’s important to say it in a personal and meaningful way. That’s why families and funeral homes are moving toward customizing funeral and memorial services. No two people are the same, so it makes sense that the final tribute to a life lived should also be unique. But what can you do to personalize a service?

There are so many options, but here are a few to get you thinking:

  • Place a loved one’s ashes in cremation jewelry or have them pressed into a diamond
  • Use a horse-drawn carriage, a motorcycle, or even a fire engine to escort the casket to the cemetery
  • Include personal items at the service, like paintings, books, photos, crocheted items, or woodworking projects
  • Ask guests to wear a specific color or to follow a theme based on the deceased’s interests
  • Cater food from a favorite restaurant or include favorite homemade dishes
  • Play the deceased’s favorite music (no matter the genre)

While the funeral director is there to guide you in planning a loved one’s final tribute, you make the decisions. Don’t be afraid to put your ideas out there and see what’s possible. 

4. Livestream the Service

Young man sitting at home, watching a livestream on his computer

With families often living far apart these days, there’s a greater need to use technology to bring families together. Today, many funeral homes offer livestreaming to the families they serve, which allows more people to attend the service than might have otherwise been possible. Whether friends and family live too far away, are sick, can’t get out of work, or something else, livestreaming allows people near and far to participate in a loved one’s final goodbye.

5. Plan the Funeral Online

Mature husband and wife sitting at table at home, planning online

Did you know that it’s possible to plan a funeral online? It is! There are now services available that allow you to plan and pay for a funeral entirely online. You simply create an account, review the funeral home’s options, and make your selections. These tools are not widely used at this time, but the technology does exist and is likely to grow in use in the coming years. Maybe someday it will come to a funeral home near you! 

As with any profession, funeral care continues to grow and change based on the needs of people – your needs. If you have feedback to offer a funeral home, don’t hesitate to drop a comment card or send an email. And if you had a stellar experience, leave a review on Google. 

In the years to come, even more new things will change within the funeral industry. But one thing will remain the same – their commitment to providing you with kind, compassionate, and knowledgeable service during a time of grief and loss. You can count on it!

 

Feb 02
Love0
Woman standing in front of a sunrise with her arms raised

Live Without Regrets: 7 Ways to Live Life to the Fullest

By Living Well

Have you ever wondered what you’ll think about at the end of your life? What memories will you think of? What will you regret? What changes can you make now to live a more meaningful life?

While there will always be things we regret, we can also take steps to make our lives more meaningful. By pondering the things people typically regret at the end of their lives, we can find common themes that show us ways to live a more fulfilling life.

When we put these ideas into practice, we learn how to live life to the fullest. Here are (in no particular order) seven practical steps you can take to live your life with purpose.

1. Prioritize your work-life balance

Stack of rocks that looks like a scale balancing

“Working too hard” is one of the top regrets of people at the end of their life. While there’s nothing wrong with hard work and ambition, overworking yourself will take its toll – physically, mentally, and emotionally. Whether your job is your passion or just a way to keep food on the table, balancing work and life can help you feel more rested, reduce stress, improve your performance at work, and boost your overall mental health.

Finding the balance between work and life can be challenging, but remember that work-life balance is an ongoing process. Some weeks, finding balance may be easy, while other weeks may require more thought and intentionality. But there are some small steps you can take to improve your work-life balance, like:

  • Saying no to extra work commitments
  • Using your time off and legally required breaks
  • Unplugging from devices for an hour at home
  • Doing things that help you rest

Work-life balance looks different for everyone, so find what works for you and helps your life feel more meaningful. Even small changes can make a significant impact.

2. Spend more time with loved ones

multigenerational family enjoying a meal together

Along the same lines, many people regret not spending more time with their loved ones. We often fall into the trap of thinking that our family and friends will always be there, but in reality, we only have a limited time with those we love. That’s why it’s so important to cherish time with family, whether with your parents, siblings, spouses, children, or friends who are your “found family.”

Plus, spending time with your loved ones can improve your mental health and help you cope with stress by providing a stronger support system. While spending quality time with your family may be difficult if everyone is busy with their own things, be intentional about carving out time together. Eat a meal together at least once a week. Do chores together while singing to your favorite music. Plan a tech-free family game night. Go to community events. Spend some time outdoors playing games or hiking.

Whatever you choose to do, intentionally set aside time together and prioritize it – try not to let anything interrupt your time. Both you and your family will benefit from your time together.

3. Don’t be afraid to take risks

Two people skydiving together

What holds you back from taking risks? Uncertainty? Fear of failure? While caution and restraint can be good, they can also keep you from exploring new opportunities. Our instinct is often to play it safe and stay in our comfort zone. But if you refuse to take risks, you miss out on many amazing things life has to offer.

Whether you try out skydiving or get up the courage to talk to your crush, getting comfortable taking risks can open up new opportunities and boost your confidence. If you find yourself struggling to take risks, start small. Try out a new hobby or compliment a stranger at the store. Don’t be afraid to ask for support and advice from someone you trust.

And remember that taking risks is different from making bad choices! Not all risks are worth taking, and don’t let anyone pressure you into taking a risk that may harm you or someone else. For a few more tips on assessing risk, visit this article.

4. Be yourself

Woman standing in front of a sunrise with her arms raised

How often do you worry about what other people think of you? In a world where we’re afraid to be judged, many people struggle to be themselves. From the outfits we wear to how we talk and the media we consume, it’s tempting to try to create a version of ourselves that we think people will like.

But you can’t please everyone, and the harder you try to, the more you lose sight of who you are and the more unfulfilled you’ll feel. Instead of trying to please others, embrace what makes you unique! When you choose to be your authentic self, you can build deeper relationships with the people who truly matter and who love you for who you are.

While you may find this hard initially, you can take small steps to grow more comfortable being yourself. Check out these practical tips for building your confidence and embracing who you are.

5. Keep in touch with friends and distant family

Man writing a letter to a long-distance friend

A common regret many people have at the end of their lives is losing contact with their friends. Our relationships with others are a part of who we are; the people we choose to care about shape us in unique ways. When someone we love moves away or our life circumstances change, it can be easy to drift apart and lose contact.

Sometimes, once a relationship starts to fade, it gets harder and harder to reconnect. But there are many ways to bridge that gap and keep your friendships going, even if they look different. Share a funny video you think they’ll enjoy. Send them a card on their birthday. Write them a letter. Text or call to check in with them. Read the same book or watch the same movie and talk about it. Plan a trip to visit them.

Above all, don’t be afraid to reach out. Your friends will most likely be excited to hear from you, and even though your relationship may look different, you can still support and encourage each other.

6. Give back to others

Group of volunteers looking out at trees

In our busy lives, it’s easy to stay focused on ourselves. But taking time to think about, care for, and give back to others can improve your mental health and help you feel a greater sense of purpose. In fact, 94% of people who volunteer say that volunteering boosts their mood. Even simple acts of kindness can increase your happiness and self-esteem and help your life feel more meaningful.

By taking time out of your day to do something nice for someone else, you divert your attention from your own problems and channel your energy into something that benefits others. You don’t have to do anything big, either! You can compliment a stranger or give someone a card with a sweet message. Let someone merge in traffic. Volunteer at your local soup kitchen or food bank. Give a family member a hug.

There are hundreds of ways, big or small, that you can give back. Check out this page for inspiration or come up with your own idea!

7. Enjoy the small things

woman and her elderly father drinking coffee and laughing together

How often do you find yourself longing for the weekend or anticipating your upcoming vacation, wishing the days would go by faster? While these moments of rest are worth looking forward to, focusing only on the next big event can make you lose sight of the beautiful, everyday moments.

Taking time to enjoy the little things in life can help you appreciate what you have and feel more satisfied with your life. Building an “attitude of gratitude” helps create a positive mindset, improves your outlook, and gives you a new perspective.

Enjoying the little things looks different for everyone. You could take a few minutes to enjoy your coffee outside in the sunshine or cuddle your cat. Embrace a child’s goofiness and act out a story with them. However you choose to enjoy the small things, cherish those beautiful moments you experience every day.

As you consider these ways to create a life that feels more meaningful, don’t stress about making the “perfect” life. Instead, think about what you want from life and what’s most important to you. A meaningful life doesn’t look the same for everyone, and what works for one person may not work for everyone. Most importantly, take everything one day at a time. Change doesn’t happen overnight, so focus on making small daily choices to create a meaningful life.

Jan 31
Love0

How to Personalize Music at a Funeral

By Educational, Explore Options, Meaningful Funerals, Personalization, Planning Tools

The funeral is a time to honor and remember a loved one’s life, but how can you personalize the service to reflect that person’s personality, preferences, interests, and uniqueness? According to Dr. Alan Wolfelt, nationally respected grief counselor and author, there are 7 distinct elements to a funeral, and each one can be personalized. Today, let’s talk about how you can use music to personalize a loved one’s final tribute and create an event that is truly special and meaningful.

Older man playing a violin

 First, Why Does Personalization Matter?

“I encourage you to slow down, take a deep breath and focus on what is really important—what is essential—about the funeral you are planning. What is essential is the life that was lived and the impact that life had on family and friends. To honor that unique life, the funeral must also be unique. Over and over, families tell me that the best funerals are those that are personalized.”  – Dr. Alan Wolfelt

In a world focused on efficiency and getting things done as quickly as possible, the funeral is a moment to slow down and be thoughtful. When we do things too quickly, they can sometimes feel impersonal and hollow. That’s why personalization is key!

A personalized service beautifully and lovingly honors life. It creates a sweet moment of remembrance, a time to say goodbye, a unique acknowledgement that a person’s life mattered in all the big and small ways. Now, let’s talk about music and its vital role in personalizing a funeral or memorial service!

Banjo laying on top of sheet music

How to Personalize Music at a Funeral

Music sets the tone of a funeral or memorial service and brings emotions to the forefront. In fact, one of the purposes of a funeral is to allow mourners to grieve together, and in many ways, music says what words cannot. We often shy away from our emotions, but don’t be afraid to invite people to express their grief. Consider using music as an avenue to bring out what people are thinking and feeling. Plus, you can add a deeply personal touch by selecting music that was dear to the person who has died.  

1. Choose songs that are meaningful, no matter their musical genre

Traditionally, hymns and other religious songs are often played at a funeral, but that doesn’t have to be the case. To add a personal touch, instead choose songs that are meaningful to you or to the loved one who has died. Did they love Fleetwood Mac? Play “Gypsy.” Did they always sing “You are My Sunshine” to the grandkids? Then, find your favorite version and play it. There’s no right or wrong genre of music for a funeral. There’s simply what is meaningful to you and your family.

2. Decide between live music or recorded music

For the grieving process, there’s no difference between going with live or recorded music, so it’s entirely up to your preference. Was your loved one part of a barbershop quartet? Ask their fellow quartet members to sing a number. Do you have a musically talented family member? Then you might consider asking them to perform live. Alternatively, you can create a digital playlist of songs that will play during the gathering or visitation. And if you want to do a mix of live and recorded music, go for it! The funeral director will help you coordinate all the fine details of the service.

Person holding a smartphone that displays a digital music playlist

3. Include songs that honor personal or religious beliefs

As you plan a funeral or memorial service, you should keep your loved one’s preferences at the front of your mind. If they were a religious person, consider including hymns or praise songs. If they were a veteran, perhaps play their military branch’s official song, such as “Anchors Aweigh” for the Navy or “The Army Goes Rolling Along” for the Army. Consider the organizations your loved one was involved with – are there any songs that would be a meaningful addition to the service?

4. Share clips of your loved one’s musical talents

If your loved one was musically talented themselves, consider finding a way to include their musical giftings at the service. Do you have recordings of them singing or playing an instrument? Incorporate that footage into a memorial tribute video. Alternatively, you can play any recordings during the service or visitation. Did they write lyrics or put together musical arrangements? Play those songs. If you aren’t sure how to include a loved one’s musical stylings at the service, speak with your funeral director. They can help you brainstorm ideas.

Woman in church choir singing a solo

Questions to Help You Brainstorm

If songs haven’t already started popping into your head, here are a few questions to help you brainstorm which songs to include at a service.

  • Did your loved one play any songs over and over again?
  • Did they have any favorite artists?
  • Were they known for singing any particular songs?
  • Did they have a favorite instrument?
  • Did they have a preferred music genre (classical, rock, Motown, etc.)?
  • Is there a song that always reminds you of them?

Hopefully, these questions will trigger some ideas for you and give you a good starting place for selecting music that will not only personalize the funeral but add special meaning as well. And again, if you are stumped, look to your funeral director. They are your advocate and guide throughout the funeral planning process. They can provide much-needed assistance when you just aren’t sure what to do next.

Music sheets folded into half circles

For additional inspiration, here are more articles on music that may help:

Jan 27
Love0
Open hardback book with blue cover

Comforting Poems After the Loss of a Father

By Grief/Loss

Good dads are strong pillars, men we can count on, lean on, and depend on throughout our lives. For those lucky enough to have an outstanding dad, his loss can stir up many emotions, including sadness, shock, confusion, or even regret. These emotions are all normal and natural after the death of a loved one.

If you are grieving the loss of a father, take comfort in these 10 poems that beautifully express the special relationship between a father and his children. And as you read them, take note of your own feelings. Write down your thoughts. Pay attention to the ones that bring tears to your eyes. And above all, remember your dad and honor his place in your life and his part in shaping who you are today.

Woman in rust-colored sweater sitting on couch, reading a book

1. Special Hero (by Christina M. Kerschen)

When I was a baby,
you would hold me in your arms.
I felt the love and tenderness,
keeping me safe from harm.
I would look up into your eyes,
and all the love I would see.
How did I get so lucky?
You were the dad chosen for me.

2. Dad (by Susan Smith)

To me, Dad, you’re everything
I cannot begin to say,
You’ve loved, cared, and looked out for me
You’ve made me who I am today.
Dad, you’ve always been understanding
and showered me with concern,
You’re my knight in shining armor
You’re my dad and best friend.

Mature man with glasses and beard sitting in a hammock outside and reading a book of poems

3. God Made a Father (by Abigail Stott)

God once made a father
his best one of all
he was smart loving and determined
to come when his kids called

This father could be serious
he would sometimes get mad
but he was forgiving
when you did something bad

This father could be silly
he would tell many jokes
he could be quite annoying
when he gave tickles and pokes

God gave him to someone
but who could it be?
This very lucky person
turned out to be me.

4. Only a Dad (by Edgar Guest)

Only a dad, with a tired face,
Coming home from the daily race,
Bringing little of gold or fame,
To show how well he has played the game,
But glad in his heart that his own rejoice
To see him come, and to hear his voice.

Only a dad, with a brood of four,
One of ten million men or more.
Plodding along in the daily strife,
Bearing the whips and the scorns of life,
With never a whimper of pain or hate,
For the sake of those who at home await.

Only a dad, neither rich nor proud,
Merely one of the surging crowd
Toiling, striving from day to day,
Facing whatever may come his way,
Silent, whenever the harsh condemn,
And bearing it all for the love of them.

Only a dad, but he gives his all
To smooth the way for his children small,
Doing, with courage stern and grim,
The deeds that his father did for him.
This is the line that for him I pen,
Only a dad, but the best of men.

Open hardback book with blue cover

5. Dads Show Us the Way (by Harrison Beslow)

Dads are the guiding lights that lead the way,
Raising kids to be strong, brave, and never stray,
Teaching us to try hard, and put ourselves to the test,
To see the funny side of things, and do our best.

Dads inspire us to be optimistic and kind,
To find our mission in life, and always keep in mind,
That success comes to those who never give up,
Who work hard and never hold a grudge.

With patience and love, dads show us the way,
To live in the here and now, and seize each day,
To face life’s challenges with grace and ease,
And to never ever give up on our dreams.

Dads teach us values that shape our lives,
To be kind to others, and treat them with respect and thrive,
Their love and guidance, we’ll cherish forevermore,
For dads play a crucial role in the world, that we can’t ignore.

6. My Dad, My Teacher (by Reese Carlington)

From the very start, my dad’s been there,
Teaching me to ride my bike without a care.
When my toys broke, he fixed them with a grin,
And when I needed help, he always pitched in.

Through every scrape and tear, he wiped away my fears,
Making everything okay, and drying up my tears.
He’s been my rock, my guide, my hero, all in one,
And I’m grateful for everything he’s done.

He’s taught me to be kind, and to spread my wings,
And he’s always been there to help with anything.
With his patience and love, he’s helped me through it all,
And I’m grateful for his support, big and small.

I’m lucky to have such an awesome dad,
And I’m grateful for all the fun we’ve had.
He’s the best friend I could ever wish for,
And I’ll always love him more and more.

Young woman sitting beside window as she reads a book of poems

7. As We Look Back (by Clare Jones)

As we look back over time
We find ourselves wondering
Did we remember to thank you enough
For all you have done for us?
For all the times you were by our sides
To help and support us
To celebrate our successes
To understand our problems
And accept our defeats?
Or for teaching us by your example,
The value of hard work, good judgement,
Courage and integrity?
We wonder if we ever thanked you
For the sacrifices you made.
To let us have the very best?
And for the simple things
Like laughter, smiles and times we shared?
If we have forgotten to show our
Gratitude enough for all the things you did,
We’re thanking you now.
And we are hoping you knew all along,
How much you meant to us.

8. Silent Strong Dad (by Karen K. Boyer)

He never looks for praises
He’s never one to boast
He just goes on quietly working
For those he loves the most

His dreams are seldom spoken
His wants are very few
And most of the time his worries
Will go unspoken too

He’s there…A firm foundation
Through all our storms of life
A sturdy hand to hold to
In times of stress and strife

A true friend we can turn to
When times are good or bad
One of our greatest blessings,
The man that we call Dad

Man sitting at an outdoor table by himself, reading a book of poems

9. Dear Dad (by Anonymous)

You mean so very much to me,
And I want you to know
That you are always in my heart,
No matter where I go.

You’re always giving, always there
To help in any way;
The loving things you’ve done for me,
I never could repay.

I can’t imagine what I’d do
Without the love you give.
I’ll treasure your sweet heart of gold
As long as I shall live.

10. Where Would I Be Without You (by Corey Mitcherson)

My dad, my hero, always by my side,
From the moment I was born, he has been my guide.
He cared for me as a baby, taught me to crawl and walk,
And as I grew older, he taught me to talk.
He taught me to throw and catch, ride a bike and drive a car,
And to never give up, no matter how hard things are.
Without my dad, where would I be?
Lost and unsure, I don’t want to even think.

He has always been there, through thick and thin,
Supporting me, and helping me to win.
His guidance and faith in me, have given me the strength,
To overcome all obstacles, no matter the length.
He taught me about The Lord, and how to live a life of grace,
To be kind and compassionate, and to always have faith.
My dad, my hero, I’m grateful for all you’ve done,
And I thank the heavens above, for giving me the best one.

Two hardback books sitting on a table next to a white coffee mug

May these poems bring you comfort and help you remember your dad with love and tenderness. As you continue on your grief journey, make sure you talk with family and friends about what you’re feeling. Find ways to express yourself. Share your favorite memories. As you engage with your emotions and process your feelings of grief, you will move toward healing and reconciliation.

For more grief tips, check out these articles:

Jan 23
Love0

6 Ways to Combat Loneliness on Valentine’s Day

By Grief/Loss, Seasonal

If you’ve recently lost a spouse, partner, or significant other, you may be experiencing loneliness on Valentine’s Day. And that’s completely normal and to be expected. Your natural inclination may be to sit at home and just try to deal with your loneliness. However, to make the day easier on yourself mentally and emotionally, here are a few activities to consider that may help you make it through the day feeling more engaged and less lonely.

1. Schedule a Self-Care Day

Woman receiving manicure on a self-care day

Give yourself a little love this year by scheduling self-care activities on Valentine’s Day. By doing so, you not only get out of the house, but you also have a chance to treat yourself to things that bring you joy. For example, you could schedule a massage (foot, back, full body, whatever you prefer). Or you could get a manicure, pedicure, or facial.

Alternatively, you could choose to focus on your spirit and attend a retreat or educational conference. Simply choose something that relaxes you and makes you feel recharged. And if you’d like to invite a friend to join you, do so!

2. Make Plans with Friends

Three men out golfing together

A second option for combatting loneliness on Valentine’s Day is to make plans to spend the day or evening with friends. By including other people in your day, Valentine’s Day won’t feel as lonely because you won’t be alone. Instead, you will laugh, talk, and deepen your connection to the important people in your life.

You could go out to dinner at your favorite spot. Plan a road trip. Go to the movies and see the most action-packed movie possible (no rom-coms allowed). Scope out a good place to hike and enjoy the outdoors. Head to the golf course, the local fishing hole, or the new axe-throwing joint. Or you can poll the group and ask each person to choose an activity and make a full day of it!

3. Volunteer with your Favorite Charity

Two volunteers holding a pug at an animal shelter

Studies show that volunteering decreases loneliness and social isolation while also improving your physical well-being. So, take time out this Valentine’s Day to volunteer at a charity close to your heart. And if you’ve never volunteered before, that’s fine. With a little advance planning, you can get signed up with a local organization that’s in need of your help.

You could volunteer at an animal shelter, tutor kids, help with the homeless, build homes with Habitat for Humanity, sit with the elderly, or deliver meals with Meals on Wheels. There are so many volunteer opportunities to choose from and each one will introduce you to new faces and new passions.

4. Exchange Valentines with Friends

Person holding a box of Valentine's Day truffle chocolates

Do you remember exchanging valentines in elementary school? You can do the same with your friend group this Valentine’s Day. Think of it like a Secret Santa gift exchange. You could draw names and each person gets one gift. Alternatively, you could draw inspiration from grade school and each design your own valentine box and place it on your porch. Then, throughout the day, your friend group can drop cards and treats into the box at each other’s homes.

If you’d prefer to exchange in person, you can always have a valentine brunch or dinner where valentines are given and received. You could create your own cards or grab one of those packs from the store. The point is, by exchanging with your friends, you still get the love, support, and chocolate that comes with the day and you will feel less lonely.

5. Sign Up for a Group Activity

Group of seniors in a painting class with instructor

If you’re new to the area or just like to try new things, you could sign up for a group activity on Valentine’s Day. You could do a fitness class, a painting class, an educational course, a walking group, a dance class, a wine club – wherever your interests lie. With group activities, you have the chance to meet new people while also learning a new skill or indulging a passion. What a lovely evening it would be! You just might meet your new best friend.

6. Stay Off Social Media for the Day

Cell phone put away in a basket as woman takes a social media break; woman sitting on couch reading

With social media, we’re connected to more people than ever before. While that can be good on some days, on others it becomes a curse. If you are struggling with loneliness this Valentine’s Day or are simply missing your special person, it can be painful to see so many others celebrating their own love stories. While you are certainly happy for them, it doesn’t mean you want to be confronted with your own loneliness so openly.

If you struggle seeing others’ social posts, consider staying off social media for 3-4 days surrounding the holiday. This way, you won’t be bombarded with posts and can protect your own mental and emotional health. Even after 4 days, you may see a post or two pop up in your newsfeed, but you will avoid the thick of it.

Woman sitting at home, writing in a journal, expressing her thoughts

Remember to Honor Your Feelings

While these 6 activities will help you combat loneliness on Valentine’s Day, it’s important not to ignore what you’re feeling. There are going to be times throughout the day when you feel down or deeply miss your special person. When these feelings come, don’t be discouraged. This is completely normal and natural.

Take a moment to honor your feelings. If you need to cry, scream, or journal what you’re feeling, do that. It may also help to find a way to honor your loved one’s memory on Valentine’s Day. By doing so, you honor the love you two shared in a special way. For a few ideas on ways you could honor your loved one’s memory, go to Honor Your Loved One this Valentine’s Day. May you find hope and connection this Valentine’s Day even as you mourn the loss of someone dearly loved.

Jan 17
Love0
Mature woman sitting down with female doctor, reviewing paperwork together

Developing Your Advance Care Directive

By Educational, Estate Planning, Planning Tools

Have you recorded your preferences for medical care through an Advance Care Directive? Most people remember to write a will and put their funeral wishes in writing, but it’s also a good idea to lay out your wishes for medical care. By creating an Advance Care Directive, you give your family valuable insight into what type of medical care you prefer. That way, if you ever become incapacitated, they know what decisions to make regarding your health. Let’s take a deeper look at the Advance Care Directive – what it is and how to plan for it.

Mature woman talking with her doctor about her medical preferences

Advance Care Directives Explained

An Advance Care Directive (ACD), also known as an Advance Healthcare Directive (AHD), ensures that your medical wishes will be followed when you cannot speak or are no longer in a mental state to make decisions. By planning out your wishes in writing ahead of time, you provide healthcare professionals with important guidelines for medical care.

Three key documents make up the Advance Care Directive: the living will, the healthcare power of attorney, and the DNR/DNI order.

What is a Living Will?

The living will is the most common type of ACD. Not to be confused with a Last Will & Testament, which deals with decisions to be carried out after your death, the living will is written to explain the kinds of medical care you wish to receive and those you do not. It helps doctors and your family make important decisions regarding tests, medicines, surgeries, blood transfusions, CPR, and feeding tubes.

Paperwork for healthcare power of attorney and living will

What is the Healthcare Power of Attorney?

A living will does not technically allow you to designate a person to make decisions for you. For this, you will need to turn to a healthcare power of attorney. However, you can combine these two forms into one document. The person who represents your wishes is often referred to as a healthcare proxy, and their authority will be limited to decisions of a medical nature. Legal and financial choices do not fall under their jurisdiction. Choose someone you trust to follow your wishes and make decisions with your best interests in mind.

What are DNR and DNI Orders?

Though DNR (Do Not Resuscitate) and DNI (Do Not Intubate) orders may be included in the living will, they don’t have to be. A DNR prevents a medic from performing CPR, and a DNI prevents the use of breathing tubes.  You can also verbally communicate these orders to your physician, who will put them in their medical records.

Man sitting down with this doctor, talking together

7 Tips for Developing Your Advance Care Directives

According to the National Institute on Aging, more than one in four Americans will have medical decisions made when they are incapacitated. That means more than 25% of us will need loved ones to make medical decisions on our behalf. Without an ACD, this can be a very stressful time for physicians, friends, and family members.

To ensure you receive the care you want and make things easier for your family in a medical emergency, consider filling out your advance care directives.

Mature woman sitting down with female doctor, reviewing paperwork together

Here are some tips for getting started:

1. Consider your family’s medical history

By examining the medical issues that run in your family, you can construct a good genetic map for determining potential health problems. For example, suppose older family members have suffered strokes. In that case, you may spend some time researching strokes to determine the kinds of decisions that would need to be made if this ever happened to you.

2. Determine your values

What is most important to you? Would you like to be kept alive by any means necessary? If so, provide clear instructions for doing so. Or are there specific issues that would reduce your quality of life so completely that you would rather not have your life prolonged artificially? If feeding tubes and breathing machines are out of the question for you, make this known so that physicians and loved ones don’t have to worry about making the wrong decision.

Two people sitting across from each other at table, touching hands, focus on hands

3. Talk to your loved ones

Once you have started considering the medical decisions you would like to make, bounce your ideas off the people closest to you. Ask for feedback from family members to see what they think of your plan. Of course, at the end of the day, it’s your plan, and you don’t want to change your directives to conform to the will of others. But it can be useful to get the opinions of people you trust.

4. Research your state laws

As is the case with most medical issues, rules and regulations on advance care directives vary to a certain degree from state to state. Research your state’s laws ahead of time so that you ensure all of your wishes are interpreted or documented in a legally valid way. A lawyer can be helpful in this area, but it’s not required.

5. Seal the deal

Consult with your doctor and talk through your wishes together. Your doctor can help you identify any gaps in your medical preferences. Then, fill out the required forms according to your state’s laws.

Man and his elderly father looking at medical documents together

6. Keep it handy

Once you have completed your ACD, make sure that it is readily accessible. Provide copies for your doctor and your family members. Also, keep copies of your directives in a readily accessible location. It may be a good idea to put a copy in your wallet or the glove compartment of your car for quick and easy access.

7. Reviewing your ACD

If you change your mind about any issue, don’t worry. You can always update it to reflect more current wishes. If you do this, destroy all previous copies to avoid future confusion. Also, don’t forget to give copies of your new directives to family members.

Start Planning Today

While older adults most need ACDs, people of all ages can benefit from a little preparation. After all, tomorrow is never promised. A sudden onset of an illness or an accident could force your family and physician to make some tough decisions. Consider taking these precautionary steps. That way, you can rest assured that your family and healthcare team will know how to proceed.

DISCLAIMER: Individual circumstances and state laws vary, so any estate planning should only be undertaken with the help and assistance of an attorney licensed in your state.

Jan 17
Love0
Woman holding a credit card while sitting on her couch

5 Ways to Avoid Emotional Overspending on a Funeral

By Educational, Explore Options, Plan Ahead

Have you ever bought something because of your emotions, like sadness, anxiety, or stress? Most of us have used purchasing to make us feel better. In fact, as many as 69% of Americans say that their feelings have influenced their spending at one time or another.

Because the days following the death of a loved one are often filled with sadness, anxiety, or stress, it’s not uncommon for a family to emotionally overspend when making funeral arrangements. But there are ways to ensure that you honor and celebrate a loved one’s life personally and meaningfully without emotionally overspending.

Let’s look at 5 ways to prevent emotional overspending when planning a funeral for someone you love.

Woman in pink cardigan sitting at table at home making a budget

1. Set a Budget

After the death of a loved one, you will attend an arrangement conference at the funeral home. At this meeting, you will sit down with a funeral director and discuss all available options. It’s a time to ask questions, become familiar with the possibilities, and discover the best way to honor your loved one’s life.

However, before you head into the meeting, look at your finances. What type of budget are you working with? Are there any family members who can chip in to help you pay for funeral expenses? Did the deceased have a funeral insurance policy, a final expense plan, or a life insurance policy? With a little advance preparation, you can set a budget to guide your decisions as you speak with a funeral director.

Woman holding a credit card while sitting on her couch

2. Give Yourself Time to Think

Some people are more open about discussing death than others. But if your loved one never told you what kind of service they wanted, you’re left to make all the decisions on your own. Because you love them deeply, your first impulse may be to buy the absolute best of everything. The most expensive casket. The top-of-the-line engraving. The cemetery plot with the best location.

If you want these things for your loved one, go for it! However, if they don’t fit into your budget, take a day to think about it. If, after 24 hours, you decide you’d like to go all out, the funeral director will help you do that and pull out all the stops. On the other hand, if you decide to make some adjustments to the plan, the funeral director will offer solutions that will both honor your loved one and more closely align with your budget.

Older man with gray beard holding up hands as he says no to something

3. Resist Social Pressure

All kinds of external sources inform our decisions. “I need that dress because it’s ‘in’ this year.” “I should drive a sports car because that’s what people do who have it made.” “My sibling had a big wedding; I should, too.” When planning a funeral, don’t feel like you need to keep up with the Joneses. That can be very expensive, and what’s right for one person may not be right for another.

So, as you decide how to honor your loved one’s life, keep their life at the forefront of your mind. Were they an outgoing or quiet person? Did they like big parties or close gatherings? Did they like to eat? Ride horses? Crochet? Golf? Work with their hands? Read? Thinking about their personality and their life decisions will help you decide how best to honor their memory at a funeral.

Man and woman sitting down with a professional to discuss

4. Take a Level-Headed Friend with You

If you know you’re not in the best state of mind following a loved one’s death, consider taking a level-headed friend with you to the arrangement conference. Choose someone you trust who isn’t directly affected by the death. Their steadiness will help settle your emotions and possibly protect you from making an impulse decision. On top of that, they may think of questions or solutions you don’t because their mind is not clouded by grief.

Man and wife talking with professional in the comfort of their home

5. Plan Ahead for Funeral Wishes

While these tips will help you prevent emotional overspending at a time of loss, the best way to prevent emotional overspending is to prepare in advance. If you have communicated your funeral wishes to family and friends, then they know exactly what you want and won’t be left wondering on the day they plan the funeral.

You might also consider pre-funding your funeral plan. Funeral homes offer prepaid funeral insurance policies that allow you to pay for a funeral in advance. Essentially, you decide what kind of funeral you want, the funeral home gives you a cost estimate, and once you’re satisfied, you sign up for an insurance policy. Over the next several years, you pay premiums until the insurance policy is paid in full. This way, all your wishes are outlined and fully paid for when the time comes. Your family just needs to choose a time and date for the services. And there’s no need to worry about emotional overspending!

Whether you pre-fund your funeral or simply record your funeral wishes, your family will be able to make good financial decisions at a time of loss because they know what you wanted.

Husband and wife sitting on couch at home as they speak with a funeral professional

If planning ahead for funeral wishes is a new concept for you or you’re skeptical, check out these resources for additional information:

Hopefully, these 5 suggestions will you avoid emotional overspending as you plan a loved one’s final tribute. Remember, the funeral directors and funeral home staff are there to serve you. They don’t make decisions – you do! Share your ideas and preferences, ask questions, and consider all the options. The funeral director will work with you and offer affordable options that meet your budget AND honor your loved one.

Jan 05
Love0
group of elderly people in hospice playing guitar

The Healing Power of Music Therapy in Hospice

By Hospice

If you or a loved one are receiving end-of-life care, you may be looking for ways to bring a little joy to each day. Hospice care is focused on managing the patient’s symptoms and improving their quality of life, including their mental and emotional health. In recent years, music therapy has grown in popularity. Research shows that music therapy can mentally, physically, and emotionally benefit hospice patients.

But what exactly is music therapy, and how can it help? Keep reading to find out!

What is Music Therapy?

While listening to music can be helpful for hospice patients, music therapy takes things a step further. Typically, a certified music therapist will assess the patient and determine how to use music intervention to help them in a specific area.

group of elderly people in hospice playing guitar

Depending on the patient’s needs, a music therapist may use live music or a customized playlist. Some music therapists combine relaxation techniques, like visualization or breathing techniques, with music. Sometimes, the patient will play music, sing, move to music, write songs, or analyze lyrics.

It’s important to note that music therapy may not benefit everyone. Some patients may have music-related triggers. A certified music therapist will consider each patient’s needs and preferences.

Music therapy may provide the following benefits to hospice patients:

Benefit #1: Helps manage pain

two people holding hands to comfort each other

As surprising as it may seem, research shows that music can help with pain management. Because music acts as a distraction, it can provide short-term relief from pain. Additionally, music therapy can help with emotional pain and distress and improve patients’ mental health. If a patient is agitated, anxious, or depressed, music can create a calming atmosphere and help them relax.

Benefit #2: Encourages communication

woman putting her hand on an elderly man's shoulder to comfort him

Sometimes music helps us express emotions that we can’t put into words. As a patient copes with their terminal diagnosis, they may struggle to understand or communicate their feelings. Music can help them recognize their feelings – whether through lyrics that they relate to or through the emotions the music evokes. Plus, music provides an outlet to physically express those feelings by singing or moving to the beat.

Benefit #3: Boosts memory

Wooden brain with puzzle pieces on top of it

For patients struggling with dementia, music may boost memory. Have you ever listened to a song and remembered something you did in the past while it was playing? Sometimes, we associate songs with strong memories, like our first prom or walking down the aisle at a wedding. Listening to familiar songs can help patients, even those with Alzheimer’s or dementia, access their long-term memory.

Benefit #4: Connects people

group of people in hospice playing music together

Many people who are in hospice struggle with feeling isolated and lonely. But music has a way of connecting us to others. Not only does the patient develop a beneficial relationship with the music therapist, but music can also increase empathy. This increase in empathy may help ease tense relationships with family members. On top of that, music also brings other social aspects into play. Music brings people together, whether the patient shares their favorite songs with loved ones or connects with another patient who likes the same musical genre.

Benefit #5: Improves quality of life

elderly couple singing and playing guitar together

For many patients, music therapy can improve their quality of life by helping them relax and providing comfort. Favorite songs can create a familiar environment and help patients feel more at home. Additionally, music therapy can help patients remember the happy moments they’ve spent with loved ones.

While music therapy may not be the right fit for everyone, many potential benefits exist for those in hospice care. From managing pain to releasing tension, music therapy can help improve a patient’s quality of life and make the transition to end-of-life care a little easier.

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