Archive | April, 2009

Revealed Comment on Illinois Funeral scam,-Your Funeral Guy

30 Apr
Funeral Scandal in the land of Lincoln-Illinois

A significant comment was made on last blog post.

“Funeral Guy and Friends,
The plot thickens here in the good ole’ Land of Lincoln.

Regarding the article in the Springfield State Journal-Register the comment from the AARP consumer advocacy lady Nancy Nelson. It would pay Ms. Nelson to do her homework on the facts of the IFDA Trust debacle. She obviously hasn’t a clue what went on and what is going on. She needs to know that we in Illinois do not need any additional oversight, because that is in place and suppose to be done by Dan Hynes and Company (Cemetery Care and Burial Trust Div.) at the Comptrollers Office, who still has some answering to do to those of out here who suffered substantial losses by not notifying us immediately when they saw the potential disaster awaiting us.

Funeral Corruption in Illinois

Funeral Corruption in Illinois

No doubt the Illinois Funeral and Burial Funds Act needs a serious update. Placing it under the watch of additional regulatory agency(s) IS NOT THE ANSWER. If all of the critics will remember IFDA sent us F.H. owners and account holders earning statements. while Schainker, Dixon, and the Fraternal Brothers and Sisters of the “Secret Society” (Board Members) were playing “Let’s Get The Commissions” of converting cash to insurance and placing us at risk.

It has been said by Hynes’ Office that he felt the Cemetery Care and Burial Trust Div. of his office needed to be regulated by another entity like the div. of insurance or banks and Trusts under the the Department of Finance and Profession Regulation. A Idea I tend to agree with, however I might prefer the IL Secretary of States Office. Anyway, that doesn’t matter right now, Change IS coming, to borrow a line from Mr. O’bama.

I’m going to ask a favor of you and to back off your harsh comments of Duane Marsh. He is walking though a mine field of issues and is being somewhat misguided by the remaining board members of IFDA who have chosen to ignore several resignation requests by it’s membership and stayed on for spite. In the very near future IFDA will have new people (hopefully) in place to try to set a new course and direction for IFDA, and the very people who deserve it, the membership and the families they serve. I think he is calling NFDA to ask for help in getting copies of Trust laws from throughout the land. Maybe Mr. Earl (Randall L Earl, NFDA executive secretary)offered his help, being the all important person he believes himself to be. Just what does Mr. Earl bring to the table of funeral service anyway??? I have yet to hear him speak at meetings of IFDA functions or show any leadership skills that tell me there is a true leader. That old saying comes to mind, “If you can’t dazzle ‘em with brilliance baffle ‘em with B.S.”.

I’ve missed something about our friend Mr. Earl. I see you have him as being is three lawsuits. I know of the Consumer Class Action and the Derivative Suit, what is the third if I can ask?

I just wonder when a Federal Grand Jury is going to take a look at this ordeal.

Thanks for the opportunity to express my thoughts.

Marsellus M710″

IFDA=Illinois Funeral Directors Association

NFDA=National Funeral Directors Association

Funeral Industry Blog |Your Funeral Guy

National Funeral Directors Assoc.rescue for IL.Funeral Ponzi-YourFuneralGuy.

29 Apr
The NFDA appears to be coming to the need of the IFDA to get them out of Scandal

The NFDA appears to be coming to meet the need of the IFDA to get them out of Scandal

Last weekend it was revealed that the National Funeral Directors Association has come to the aid of the IL Funeral Directors Ponzi Scheme.

This comes as no surprise as the NFDA Executive Secretary Randall L Earl is a key player in the scam.This is a sad situation for the Funeral Industry when the “center for funeral integrity” comes to the aid of funeral wrong doers.

This gives more strength to the admonition to the  Funeral Consumer:

Check out your funeral director in every funeral you are involved with.

Everytime the executive director of the IFDA(Illinois Funeral Directors Association opens his mouth he reveals the continuing  scandal. From a Springfield, IL Newspaper Article over  the Weekend.

“For nearly 30 years, the Illinois Funeral Directors Association managed a funeral trust fund that swelled to $300 million before the comptroller’s office, which regulates the pre-need funeral industry, discovered a deficit of nearly $40 million in 2006 and eventually ruled that the association should never have been allowed to manage the money”……

“Our association continues to explore with our members, and our national association, measures that may improve the pre-need process,” Marsh said. “At this time, we have not seen a formal proposal, but we certainly look forward to working with the legislative task force to seek potential improvements to the system.”- Duane Marsh executive director of the IFDA.

So the IFDA appears to be working with the NFDA. It appears to be so wrong because in 2006 and 2007 $250,000.00 dollars was misappropiated  to Management and then to the  IFDA Museum of Funeral customs under the  then and current direction of Randal L Earl,  the NFDA Executive Secretary.

Questions still remain about Mr.Earls activity as IFDA President and his being named as a Defendant in three Lawsuits against the IFDA. It would wise for Mr. Earl to step aside until the air clears from this scandal.

Funeral Industry|Funeral Costs blogs

Funeral Directors Picture From Flickr under the creative commons license from roger g1’s photostream

Convention Fees Indicate Funeral Industry Woes-yourfuneralguy

28 Apr

The National Funeral Director  Association’s

The Fragile Economy has made things difficult for the funeral industry. It has made end of life choices easier to negotiate.

The Fragile Economy has made things difficult for the funeral industry. It has made end of life choices easier to negotiate.

lower convention fees indicate a hurting funeral industry. A significant drop in Convention rates between 2008 and 2009  indicate difficulties for the “recession proof industry”.

Although  people are still dying folks are demanding lower costs and choosing the low cost option of cremation. This puts the consumer in a strong position to negotiate funeral costs.

Funeral homes just like the National Funeral Directors have had to settle for lower rates and lowe margins.

This is the time to negotiated a lower cost funeral. Take advantage of the economy breaking  to  funeral consumers

Negotiate a lower cost funeral and pay less.

Here is the Comparison in Convention Rates between 2008 and 2009 according to the NFDA.

NFDA Member Non-member
Full conference registration $475
(nearly 10 percent less than 2008)
(no increase from 2008)
Full registration for each additional licensee $390 $390
Non-licensed guest/spouse $99
(43 percent less than 2008)
(43 percent less than 2008)
One-day registration $225
(nearly 31 percent less than 2008)
(nearly 30 percent less than 2008)
Expo only $99
(more than 43 percent less than 2008)
(more than 43 percent less than 2008)
Student registration $45
(same price as 2008)
(same price as 2008)

From the NFDA Press Releaseistock_000003274798small3

“Brookfield, Wis. – Bearing in mind the challenging economic circumstances funeral directors are facing…..the National Funeral Directors Association (NFDA) is making its convention more affordable than ever.”

Psssst-funeral costs are more affordable than ever too.

Challenging economic circumstances make it easier for the consumer to negotiate funeral costs down under the average cost of a Funeral.

Funeral Industry| Funeral Costs Blog by Your Funeral Guy.

Your Funeral Guy has declared the Average cost of a Funeral in 2009 to bew $8,500 + dollars.

Revealed Differences between Funeral Preneed Insurance Scandals-YourFuneralGuy

27 Apr

Best not to purchase preneed,too much behind the scenes SHHH  and Scandal

Best not to purchase preneed,too much behind the scenes SHHH and Scandal

Preneed  or Prepaid  funerals has had major disasters. In 2008 the NPS  disaster took place came to a breaking point on September 22nd 2008.

In 2oo9 the Illinois Funeral Directors Association Historic Preneed Scandal came to ahead with the revelation of Lawsuits and major press coverage around February 1st.

NPS  and IFDA losses are estimated to be between 1 Billion and 1.6 Billion. The Funeral industry is often quoted as being a 15 billion dollar industry. So the loss in at National Prearranged services and IFDA s Preneed Trust is close to 10% of the funeral industry’s income.

Both the NPS and IFDA had ponzi like insurance scams. There are  main differences between the two is size. NPS lost over 1 Billion+ and the IFDA 59+million.

The IFDA used special key guy insurance life insurance policies. NPS used whole life and term insurance policies.

At NPS there was state investigations going back 10 years and more. Sure hope the IFDA mess investigations does not carry on that long.

In the NPS scenario it was known who the major players were and they were named often. This is not true of the IFDA Preneed Trust mess.

A good summary of the National Prearranged Services Scandal appeared in the State Journal Register over the Weekend.

“Consumers would buy funeral contracts from NPS that were funded with life insurance policies that paid out to funeral homes upon death. Under state laws, funeral homes that agreed to do business with NPS were obligated to pay for funerals if something went wrong. And things went horribly wrong last year…..The insurance policies were issued by two Texas-based companies affiliated with NPS. At some point, regulators say, policies were switched from whole life insurance, which has some value so long as premiums are paid and remains in force until death, to term life insurance, which expires after a set period of time and has no value unless someone dies. Financial ruin ensued.

Any time funeral funds are misappropriated some one has to pay. It is usually the Funeral Director and the Funeral Consumer.

Sadly these events have moved the public away from trusting funeral professionals.

Funeral Industry|Funeral Costs Blog by Your Funeral Guy

Now Swine Flu Pandemic or Panic|WHO says what?

26 Apr
Swine Flu|Pandemic or Panic?

Swine Flu|Pandemic or Panic?

The world health organization (WHO) has put the planet as halfway there to a pandemic. Medical leaders around the world are on the alert. They have good reason. The Virus that is spreading among humans has never been seen before. Government leaders in the USA barely mentioned that in their news briefing Sunday. They did not mention that the virus, is a combination of swine, bird, and human flu viruses.

Sounds like a B Horror flick. WHO says were at the one half mark to Pandemic. Check out their website on Epidemic Alert and Response.

Google has provided a moment by moment swine flu map. and Bloomberg.Com is doing updates on an initial story.

It is sort of like saying the US Military is on alert. There may not be a crisis. It is the end of the flu season which is a good thing. One could say the world medical community is on alert.

One would not be honest if this was not mentioned. The source could be giant pig factories in Mexico. This virus can also be created easily in the lab. Terrorism may be a possibility. Mexico maybe a Terrorist Target to distract the government there from Drug wars. Do not expect to hear about the clandestine side of the situation. You can read more about Pandemic-Spread&Panic here.

Pray that it will not be like 1918 where 41 million people died and funeral directors became involved.

Funeral Indistry| Funeral Costs Blog R.Brian Burkhardt|YourFuneralGuy

Some States have Effective Preneed Laws-Yourfuneralguy

25 Apr

When calling others to honesty it is best to be sure you are honest with your self. Overall I oppose preneed because of abuses. One State is very effective in regulating  preneed. New York, unlike Illinois does not allow prearranged funds to be put in life insurance policies. All of the funds given to the funeral director are placed in trust  for the  individual.

New York has good laws when it Comes to Funeral Preneed.

New York has good laws when it Comes to Funeral Preneed.

According to the State Journal Register a Spring field Illinois Newspaper.

“Unlike in Illinois, where pre-need funeral trust funds have been spent on complex life insurance policies and some money ended up in the stock market, New York funeral directors have no fancy investments. There are no astronomical returns, no dizzying losses, no salesmen pitching funeral directors on can’t-miss investment schemes in hopes of collecting commissions.”

New York is one of the few in the United States that has good preneed Law. Bonnie McCullough of  the New York Funeral Directors Association Director has stated that guaranteed preneed is no longer realistic for the Funeral Director.

Sadly most  average Americans are generally shocked now that their Funeral Prices cannot be guaranteed.

Because our financial and investment systems are changing No LONGER Can a Preneed Salesman  or the Funeral Director say the classic preneed line  that most boomers have often heard.

“We will lock in today’s prices for your funeral. You will not have to pay more than what it costs today”

Guaranteed  Preneed is dead. Anyone in the funeral business who tells you different is lying. In the present environment, Funeral Directors must take Extraordinary steps NOW to be sure that they and their sales people present the truth. Because the slogan was repeated so long and in hard sell the funeral consumer is not going to like what they should hear.

For most consumers in the USA Funeral preneed should be avoided. A Preplanned Funeral however is a must.

All I can say is shame on the Illinois Funeral Directors and the Leaders mentioned here who got greedy with the IFDA Preneed Trust.

R. Brian Burkhardt.|Your Funeral Guy.

Those leaders mentioned here are: NFDA Executive Secretary. Randal L Earll, Geoffrey W. Hurd, Eric R. Trimble.and Charles S. Childs Jr. They have been  spoken to the press and covered in the press. They are named in IFDA lawsuits.

Revealed|Dan Brady Funeral Director,Preneed Reformer|yourfuneral guy

25 Apr

Illinois has ah an Historic Funeral Fund Trust Scandal 59 Million was lost and 8.6 Million was illegally talken for Management Fees.

Illinois has ah an Historic Funeral Fund Trust Scandal 59 Million was lost and 8.6 Million was illegally talken for Management Fees.

Now IL.Rep Dan Brady, has been revealed as “Funeral Insider” who has moved to Reformer in the Historic Illinois Funeral Directors Preneed Scandal . Funeral Insider and State Representative Dan Brady has become somewhat of a hero. going  from IFDA Insider to the leading preneed reformer in Illinois.

Brady is the lead guy and sponsor of House Resolution 177  This is the bill  that created the  Funeral and Burial Pre-Arrangement Investigation Task Force. This bill was past by in a  Unanimous Vote  in The Illinois House this past Wednesday. This task force will investigate  the Loss of 59 million included  8.6 million in management illegally taken. The  IFDA Preneed Trust scandal was an active ponzi scheme. Calvert Funeral Homes is the lead funeral home in the Six Funeral Director lawsuit against the Illinois Funeral Directors Association making a legal claim for all this.

“Snippet” from the

“A key figure in a legislative probe into problems within Illinois’ funeral industry was himself once active in the organization he now wants to ivestigate.
State Rep. Dan Brady, a Bloomington Republican, was a member of the Illinois Funeral Directors Association in the late 1980s and served on one of its committees.”

In Blogs in summer 2008  about the  IFDA Scandal Your Funeral Guy treated him as a key player in the Ponzi Scam.

The pantagraph in Bloomington, IL has finally repoted on their two hometown players in the Historic Funeral Preneed Scandal in Illinois.

The Pantagraph newspaper in Bloomington, IL has finally repoted on their two hometown players in the Historic Funeral Preneed Scandal in Illinois.

Now  Brady has distanced himself from the Illinois Funeral Directors Association and  become the lead guy calling for  preened reform. Rep. Brady has taken decisive action to put preneed reform in place in Illinois.

The Pantagraph News Organization has mentioned the home town players, Dan Brady and Calvert Funeral Homes in the Historic IFDA Preneed Trust Ponzi Scheme.

Funeral Industry|Funeralblog by Your Funeral Guy.