Preplanning Your Own Funeral Family Articles | April 20 Cheap NBA Basketball Jerseys , 2011 Preplanning your own funeral can be one of the best gifts you give to your loved ones after you're gone. It's may not seem like it now, but when you think about it, you will realize that you're saving your loved ones from lots of anguish and pain.
Preplanning your own funeral can be one of the best gifts you give to your loved ones after you're gone. It's may not seem like it now, but when you think about it, you will realize that you're saving your loved ones from lots of anguish and pain. The death of a loved one is one of the most painful things that anyone would ever go through. And when you're in such pain, the last thing you want to do is to haggle about the price of a casket or variable floral arrangements for the funeral.
So, pre planning the funeral right now so that you can decide on what kind of funeral you want way ahead of time is a smart move. If you're looking to get a low cost funeral, this is even the best time to do it. This is because when you're gone and your family needs to make the necessary arrangements, the funeral directors may rip off your family by charging them too much or getting them to pay a lot more than they would normally pay. So to pre plan the funeral, here are a few tips to begin with.
1.?????? Save Up Or Buy An Insurance Package
As simple as this sounds, you will be shocked at how many people completely and totally ignore it. Think about it this way: if you were to save up to $50 a month for the funeral starting now, in 10 years you would've saved up $6000. If that money were to be put in a savings account, and it could yield a compound interest, that will translate to a minimum of $10,000 in 10 years. So as you can see, just saving covers for the funeral.
You could also take out an insurance package. If you want you can purchase a life insurance or funeral insurance policy. It all depends on what you need. Most funeral insurance policies will not grant you any claims within two years of your taking it up. But after two years, the family has a right to claim the compensation and benefits.
2.?????? Purchase Your Own Cremation Urn And Casket
Cremation urns on the other hand can be easily bought and kept in the house and nobody would feel uneasy about it. Caskets on the other hand, cannot be bought and kept just like that. So what you can do is to contact the casket makers or the funeral home that you intend to use and inform them of what kind of casket you have in mind. This way when the time comes, they can easily produce it for you.
3.?????? Create an Ethical Will
The next thing you want to do is to create an ethical will. An ethical will is basically a list of wishes concerning your funeral. It is unlike the normal will which includes a list of your wishes regarding your assets, investments and properties. So, an ethical will should include the things that you need or want done, arrangements and funds available, include information as to where and how family members can get funding for your funeral.
4.?????? Make Arrangements For The Funeral Director
You should also make an arrangement with the funeral director of your choice. In fact, this is good because you get to secure discounts on many things that people generally pay more to get. Also, you may need to inform them of how you intend to pay for the funeral. Whatever the case may be, never tell the funeral director how much your insurance is worth. The most important thing they just need to know, is that when the time comes, they would know which insurance company to contact to make the payment for the funeral.
These simple steps will save your loved ones a lot of time and you'll have a very nice and trouble free funeral.
Homeless persons find it very difficult to get financial assistance in times of crisis. They look out for seeking help. Usually their loans applications get rejected. This is because collateral used to be a mandatory part of most of the processes. It is quite obvious that homeless do not possess a home which could be mortgaged. If they have some other valuable asset like an office or some other real estate, which could be pledged, then it is well and good. Otherwise, availing a loan is not an easy task for them. Non homeowner loans have been introduced with a motive to support the homeless tenants who cannot pledge a security.
Maximum capital amount granted under non homeowner loans is stretched up to L25,000 with a flexible time period offered up to 10 years. As absence of collateral makes the lender feel insecure, therefore he comes up with terms and conditions imposing higher interest rates. This covers up his risk to some level if a borrower defaults. Verification of credit status is not done while processing. Thus, application are also invited from those who may possess a poor credit score due to reasons like bankruptcy, arrears, late and irregular payments, etc. They get a chance to improve their credit records if they repay in fixed tenure. Certain eligibility conditions to be fulfilled while applying include UK citizenship, a regular employment with minimum monthly income not less than L1000, one should be lawfully above 18 years of age as otherwise he may not sign an agreement and must have an operative bank account which is at least 3 months old. The principal received can be used by the borrower with full freedom to realize his needs and desires. He may need money for paying medical bills, grocery bills, electricity bills, educations fees, car repair, paying pending installments, credit card dues, etc. Non homeowner loans fill your account with instant money within 24 hours of application. The process is very fast due to the unsecured. Cheap Womens Nike ShoesCheap Nike Air JordanCheap Air Max ShoesCheap Nike Air MaxCheap Air Max 90 UltraCheap Air Max MensJordan 6 Shoes For SaleAir Max 2017 OutletCheap Jerseys Free ShippingCheap NFL Jerseys China