Tag Archives: matt bacak

Your Funeral Guy: Medicaid and Funeral Cost.

17 Nov

Your Funeral Guy: Medicaid does not cover Funeral Cost.

Insurance and Pre need counselors often say that no matter how poor you are, you need to buy a life insurance policy or pre need policy covering your funeral.

http://wiki.answers.com/Q/Does_medicaid_cover_funeral_expenses

This is not necessarily the case.  If you put a little money aside and plan a lower cost funeral as outlined below that may be all you need to do. This funeral book will help.

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak.  #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by  Morgan James Publishing.This is your funeral cost book.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy:SLAICO and SCI Form High Funeral Cost Alliance Partnership

6 Nov

Your Funeral Guy: Service Corporation International-SCI-Forms High Funeral Cost Alliance Partnership. SCI along Stewart Enterprises are the high cost funeral corporations. They are the high end. They Charge the most $$$$.

Whole life insurance (SLAICO)is not the best in any type of final expense insurance. What is acceptable and wise is term life insurance which is more cost efficient. This situation is not good for the folks and does not permit the lower cost funeral.

This according to the Press Release on Fox News.

“Service Corporation International, through its Dignity Memorial network is North America’s largest provider of funeral, cremation and cemetery services, including a network of funeral homes and cemeteries in 43 states, eight Canadian Provinces and Puerto Rico.

Standard Life and Accident Insurance Company has been a leader in the insurance industry since 1948 and is part of the American National family of companies. They have been assigned a rating of A+ (Strong) from Standard and Poor’s, and rating of A (Excellent) from A.M. Best Company.”

View the whole Fox Business Report Here:

http://www.foxbusiness.com/story/markets/industries/retail/slaico-sci-form-partnership/

Service Corporation International and Standard Life and Accident life Insurance only contribute to raising your funeral cost. It does not contribute to the lower cost funeral as the funeral book does.

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by  Morgan James Publishing.This is your funeral cost book.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy: 7 steps to a low cost funeral

3 Nov

The average cost of a Funeral is now 8,000 to 10,000 USD. This according to my last blog post and frugalpigs.com

http://frugalpigs.com/2008/10/27/average-funeral-costs-in-the-us/

Step 1: Choose Cremation and have the service somewhere other than the funeral home.

Step 2: Obtain your casket from an alternative source. Suggestion Order it on the internet.

Step 3: Refuse Embalming- in most cases but not all you may do this

Step 4: Do Everything at the cemetery as was the case with Walt Disney

Step 5: Do as much as possible at church, not the funeral home.

Step 6: Do a home funeral

Step 7: Have a green burial.

A home funeral and a green burial may be not doable in certain parts of the USA today. They will become available to all in the near future.

The details on how to lower your average costs of a funeral are in this funeral book. There is also lots of information on your lower cost funeral here:

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by  Morgan James Publishing.This is your funeral cost book.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy: Average Funeral Cost Today.

2 Nov

The FTC United States the average funeral cost is around S6,000.00 This does not include the cemetery. A popular website gives the average basic funeral cost example again without the cemetery as $7,293.00

“Professional and administrative services (embalming, funeral home staff during the visitation, and so on) … $1,650

Facilities and equipment (preparation room, visitation room, reception room, chapel) … $850

Transportation (transfer from the place of death, funeral limousine, and cars for the family) … $450

Merchandise (casket, vault, prayer cards, temporary grave marker) … $2,515

Cash disbursements (flowers, cemetery plot, obituary, death certificates, honorariums, headstone) … $1,828

Total (not including taxes) … $7,293″

Source:http://www.funeralswithlove.com/funeralcosts.htm

This quote from an article by Mike Testa CPA gives a summary  of the average cost of a funeral today that includes the cemetery.

“Here is a reasonable “ballpark” estimate of the main costs that are involved:

• fee for the funeral director’s services: $1,500
• cost for a casket: $2,300
• embalming: $500
• cost for using the funeral home for the actual funeral service: $500
• cost of a gravesite: $1,000
• cost to dig the grave: $600
• cost of a grave liner or outer burial container: $1,000
• cost of a headstone: $1,500

In this example, total costs would approximate $9,000 ….and that’s just for the “main” items. There could be additional charges for things like placing the obituary in the newspaper, buying flowers, and limousine rental. There could also be additional charges for prayer cards, use of the hearse, and a donation to the organist, soloist, or officiating clergy.”

http://www.articlealley.com/article_679429_27.html

Above is the lower end of the average of the basics from 2 Sources other than your funeralguy. In Many cases the cost is much more.The average cost of a funeral is going up. Traditional funeral cost is rising. But at the same lower funeral cost funerals putting more pressure on the traditional funeral directors to raise funeral expenses.

The details on how to lower your average costs of a funeral are in this funeral book. There is also lots of information on your lower cost funeral here:

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by  Morgan James Publishing.This is your funeral cost book.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy: Home Funerals can mean A Lower Cost Funeral with minimal mental health risk.

31 Oct

Your Funeral Guy: Under the best circumstances, ( with funeral cost  lower)  the home funeral offers mental health advantages that are difficult to reproduce with some of the excessive methods our commercialized society has put into action. This many times involves funeral director hand holding with excessive funeral costs. Many Funeral directors have adopted an organized, hidden, costly approach  to deal with the inconvenience of a death in a family.

Sometimes because of certain circumstances, a home funeral can add significantly to the trauma, grief and stress of a funeral. The difference between a helpful, caring (traditional or home funeral) funeral event and a funeral nightmare lies entirely with the family’s collective abilities to provide specifics in offering emotional, psychological support with connection to community.  There must be a strong family structure (family of origin, extended and other) with community ties in place so that the shared burdens of trauma,grief and stress results in a smaller individual doses of the same.

For families with a solid church affiliation, the church most often acts as an effective extension to the family with a social support system.
When there is no strong church affiliation, most churches stand ready to assist the unchurched family with the traditional and in some cases the home funeral. Almost always this church option costs less than a Traditional Funeral Home Service.

Funeral Cost Saving  should not be the reason to have a home funeral, although it is often sited in blogs and articles as a cost benefit in funeral terms. Home funerals can end up having higher funeral cost  because of being new to the public and  the intense involvement of so many folks whose efforts are sometimes ineffective from a financial funeral cost perspective.

That said if there is strong family structure, good church ties, and friends in the community the home funeral can be the lower cost funeral. Home funerals done correctly by a qualified home funeral professional can be the low cost less stress funeral. This is often the case in countries outside the USA.

Source: http://www.bartonfuneral.com/funeral-basics/home-funerals/

as well as the experience of your funeral guy

Home funerals were predicted in this book. There is also lots of information on your lower cost funeral here:

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by Morgan James Publishing.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy: IFDA Preneed Trust $40 million deficit Funeral Cost Scandal fades with Fannie and Freddie takeover

14 Sep

IFDA Preneed Trust $40 million deficit Funeral Cost Scandal fades with Fannie Mae and Freddie Mae  takeover.

The IFDA Preneed Trust pales by in the light of US Treasury Takeover of Fannie Mae and Freddie Mac mortgage providers.

A 40 million dollar deficit is minimized by the financial collapse of these institutions.

But it still serves as a firm reminder why you should avoid prepaying for a funeral.

This is outlined here along with more information on the average cost of a funeral, :

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by Morgan James Publishing.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois

Your Funeral Guy:Another Great Low Funeral Cost Video!

29 Aug

Business Week put out a great Low Cost Funeral Video. In the video green funerals are explained…and a low cost casket is put together with handles. It does not get much better than this.

Funeral Directors have a vested interest in keeping  a traditional things going on! That will not be your lower cost funeral. Be sure to watch this one!

http://feedroom.businessweek.com/index.jsp?fr_story=FRsupt20503

Insider's Tips to the Low Cost Less Stress Funeral

Rest in Peace: Insider’s Tips to the Low Cost Less Stress Funeral by R Brian Burkhardt and Matt Bacak. #1 International Best Selling Author Jason Oman also gave thumbs up to this book. This book is published by Morgan James Publishing.

Your Funeral Guy, R Brian Burkhardt, Funeral Director, Author, Blogger, State of Illinois