Sunday, August 2, 2020

Ease the Financial Burden of Funding a Funeral

Ease the Financial Burden of Funding a Funeral Ease the Financial Burden of Funding a Funeral Ease the Financial Burden of Funding a FuneralApologies for getting a little grimDealing with the loss of a beloved friend or family member is one of the most difficult experiences we will all have to face at one point. The last thing you want to be doing during such a traumatic time is dealing with any sort of financial challenges. And yet…Funeral services are not cheap. And although this is likely not the first thought you have when you lose a loved one, there is always the possibility that the one who has passed was a source of financial support.“Would you believe funeral expenses in the United States average more than $10,000?” said Elizabeth Fournier, undertaker with Cornerstone Funeral Services and author of The Green Burial Guidebook. “Death can cause monetary misfortunes as well as misery. Budgeting for it isn’t about being morose â€" its about making crucial financial preparations to lessen the impact when it happens.”Josh Hastings, founder of Money Life Wax, sha red his personal experience of dealing with this kind of situation: “Be it a family member or even setting up a fund for your own funeral (which is scary to even think about), funerals are super expensive and super burdensome. At age 25 I, unfortunately, had to deal with the loss of a parent. One of the most difficult times in my life was losing my mom; however, making matters worse was covering funeral expenses and stressing over the costs.”While it is not a fun process to think about, it is important to start thinking about funeral costs before you are actually dealing with them. As paying for a funeral is one of the only expenses you can be sure will come due one day, it is never too early to look into your options.Here are some of those options.Prepayment optionsOne way to avoid the strain of figuring out funeral costs in the wake of a tragic death is to pay those costs well beforehand.“Many funeral homes offer prepayment plans,” said Kurt Hemry, president of Ironwood We alth Consultants. “With some of these plans, you will pay the current day price right now with a guarantee that at [the time of] your death, you will get what you want at no additional charge. The upside to this arrangement is that payment has been made and your family is spared that concern. Also, youre protecting yourself from the increasing costs due to inflation.”There is at least one additional factor to consider, however. If you happen to move away, there may be additional transportation expenses involved to relocate your remains when you die.If you do not want to worry about moving, you can also set aside the money on your own.“Instead of using a financial product, you can save for your funeral yourself,” insurance agent Travis Price suggested. “This gives you the most freedom concerning your money. These funds should be placed in a relatively stable financial account, like a certificate of deposit (CD), to accumulate interest and keep up with inflation.”Insurance Some people would not get car insurance if the law did not require it. Others would forgo health insurance (and some may in states where health insurance is no longer mandatory), but it is very unlikely that they will go the rest of their lives without getting sick. However, there’s one thing that is definitely guaranteed in life. And it is a very good idea to get insurance for it, if you can afford it.“An alternative to an annuity is a permanent life insurance policy,” Hemry explained. “Buy a policy with a death benefit large enough to pay for the funeral, but one that allows you to make much smaller monthly or annual premium payments. Regardless if you die sooner, or much later, the death benefit will cover the expenses.”Alternative choicesIt is also possible to save money by choosing less traditional funeral options.Fournier offered some cost-saving measures: “Many states allow a funeral home just to oversee and guide. People can provide their own transportation for t heir loved ones, build their own caskets, and even keep bodies at home.”If you want to save even more money and have a flexible view of the burial process, there is a very practical possibility you can explore.“You can donate your body to science or medical research,” Randy VanderVaate, owner and CEO of Funeral Funds, said. “Most costs will be eliminated by doing it this way, but you have to be comfortable with the thought of how your body will be used.”Needless to say, funerals are a financial burden on top of dealing with the grief of losing a loved one.” We just can’t say it enough: the sooner you start planning for the inevitable, the less you will have to worry about it later on.ContributorsElizabeth Fournier an undertaker with Cornerstone Funeral Services and author of The Green Burial Guidebook, the first book on the market to really break down all the natural burial choices available in North America. Follow her on Twitter @elizfournier.Josh Hastings  is a form er high school athletic director at the secondary level who shifted his focus to focus more effort on his entrepreneur endeavors in 2016. In 2017 he founded  MoneyLifeWax.com, a personal finance site dedicated to helping millennials with student loans. With an emphasis on money and finance behavior, he started Money Life Wax  to help millennials realize there are other ways to make money and be happy in the 21st century. Follow him on Twitter @moneylifewax.Kurt Hemry, president of Ironwood Wealth Consultants, has more than 32 years in the financial industry. His approach to retirement planning is giving the brush to his clients to paint the canvas of their ideal retirement. By understanding their picture-perfect retirement, he can build a plan that can best fit his client’s masterpiece.Travis Price is a licensed life and senior health insurance agent located in Traverse City, Michigan. He is licensed to offer insurance programs in Michigan, Texas, Virginia, Iowa, Illinois, and Sou th Carolina. He has been representing the insurance needs of seniors since 2012. You can visit his website at www.ifixmedicare.com.Randy  VanderVaate is the president and owner of Funeral Funds based out of Dallas, Texas. Licensed in all 50 states, Funeral Funds specializes in affordable burial insurance, final expense insurance, and life insurance for people ages 50-85. His goal is to eliminate the financial burden that a funeral, cremation, or other final expenses place on family members after the death of a loved one. VanderVaate can be reached at www.FuneralFunds.com.

Saturday, May 23, 2020

Descriptive Essay About Volleyball - 1241 Words

The Choice I was the start of a new day, the sun was shining, and autumn had decided take over for summer. I just started a new sport, and my first practice was today. My gaze was fixed on the window watching the cars drive by, and then my dad popped the question. The decision that I made about this question has shaped and changed my life forever. I had woken up in feeling very gusto that day all because my first volleyball practice was supposed to start today. It was a nice cool fall morning with red, orange, and golden leaves scattered all over the ground, in the trees, and filling the air. I walked outside and felt the cool, crisp air expand around my body. My breath was thin and clear as I released each breath. Stepping into the car,†¦show more content†¦When I rose from my deep slumber, we were halfway home and my dad was talking with my mom on the phone, so I decided that it would be amusing if I pretended that I was asleep and listened to their conversation. I deliberately realised that their conversation was about me. I gradually started to wonder what they could possibly be talking about that was so important, so I was still and listened as closely as possible. Then I heard it the only word that I didn’t want to hear. Sports. I started to become anxious and fearful as I started to wonder what they want ed to do with sports, and why they were talking specifically about me. My sister did plenty of sports too. My dad hung up the phone and I finally decided that it was time to open up my eyes. When I did open them up my dad glanced over at me and said, â€Å"Anna we need to talk.† I knew that at that moment something wrong and terrible was about to happen. All I said was, â€Å"Okay†,and I braced myself for what was about to happen. He fixed his eyes on the road again, and then looked back at me with a sorrowful look on his face that made his face look contorted, this is how I knew that I wasn’t going to like what he was going to say at all. He opened his mouth once, but nothing came out. He opened it the same way again only this time the words came spilling out of his mouth. â€Å"I’m sorry to say this, but me and mom talked and we decided that it would be best if you only did two sports, so you are going to have to decideShow MoreRelatedDescriptive Essay About Volleyball1352 Words   |  6 PagesAll or Nothing â€Å"Beep! Beep! Beep!† My alarm clock going off at 5:45 AM. I immediately get out of bed thinking this was the day, the final day my friends, family, and school community will watch me play volleyball. That day was my senior night, the night that every freshmen volleyball players anxiously awaits to. As I get ready and go to school, I get text messages from my friends and family wishing me luck in my big game. My heart begins to race and I immediately become nervous for tonight. I amRead MoreDescriptive Essay About Volleyball1563 Words   |  7 Pagesfrom all of the markers. The sound of the keyboards clicking all around the room was triggering my anxiety. The modern looking clock made it’s loud clicking noise every once in awhile. I noticed the red, white, and blue flag again and thought of volleyball. I remember the playing of the Star-Spangled Banner and looking at that small flag brought back some memories. I remember standing on the sideline with my good friend s since Kindergarten as we looked at the flag. I miss playing with my best friendsRead MoreDescriptive Essay About Volleyball1245 Words   |  5 Pagesjust started a new sport, and my first practice was today. My gaze was fixed on the window watching the cars drive by, and then my dad popped the question. The decision that I made about this question has shaped and changed my life forever. I had woken up in feeling very gusto that day all because my first volleyball practice was supposed to start today. It was a nice cool fall morning with red, orange, and golden leaves scattered all over the ground, in the trees, and filling the air. I walked outsideRead MoreDescriptive Essay About Volleyball1139 Words   |  5 PagesVolleyball, one of the worlds greatest sports. From the hot and muggy gym, to sweat dripping down each players face, volleyball is not for the faint of heart. This sport requires a single-minded desire: to win. It takes more than just teamwork to win. Volleyball has always been one of my favorite sports. I would always meet a new friend anywhere I would go. Believe it or not these situations are how you could meet your life long best friends. One day when I was in fifth grade, my volleyball teamRead MoreEnglish Thesis2890 Words   |  12 Pagesislands narrow central area. White Beach faces westward and Bulabog Beach faces eastward. The island also has several other beaches. White Beach, the main tourism beach, is about four kilometers long and is lined with resorts, hotels, lodging houses, restaurants, and other tourism-related businesses. In the central portion, for about two kilometers, there is a footpath known as the Beachfront Path separating the beach itself from the establishments located along it. North and south of the BeachfrontRead MoreMarketing Plan Billabong7614 Words   |  31 Pages So, if the prices of billabong products increase then customers will search for lower price that they can effort. The marketers must watch this entire variable in order use of economic forecasting. They can take advantage of economic environment about the price in the future with adequate warning. 2.2.3 Technological According to the statistics from the 2002 regional telecommunication Inquiry report, there are two important trends in telecommunications. One is that 9% of Australians have accessedRead MoreLogical Reasoning189930 Words   |  760 PagesUniversity of Colorado at Denver; Dean J. Nelson, Dutchess Community College; James E. Parejko, Chicago State University; Robert Sessions, Kirkwood Community College; and Stephanie Tucker, California State University Sacramento. Thinking and writing about logical reasoning has been enjoyable for me, but special thanks go to my children, Joshua, 8, and Justine, 3, for comic relief during the months of writing. This book is dedicated to them. For the 2012 edition: This book is dedicated to my wifeRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesEnvironment 22 †¢ Improving Ethical Behavior 22 Coming Attractions: Developing an OB Model 23 An Overview 23 †¢ Inputs 24 †¢ Processes 25 †¢ Outcomes 25 Summary and Implications for Managers 30 S A L Self-Assessment Library How Much Do I Know About Organizational Behavior? 4 Myth or Science? â€Å"Most Acts of Workplace Bullying Are Men Attacking Women† 12 An Ethical Choice Can You Learn from Failure? 24 glOBalization! Does National Culture Affect Organizational Practices? 30 Point/Counterpoint LostRead MoreFundamentals of Hrm263904 Words   |  1056 PagesHuman Resource Management. It is truly an exciting time to be studying Human Resource Management. We appreciate that you are taking time to read this preface to get a better understanding of the text and the resources for learning it includes. About the Book Students taking an HRM class are very likely to be taking it as an elective class or a first class toward an HRM major. Both of these groups need a strong foundation book that provides the essential elements of HRM as well as a clear understandingRead MoreProject Mgmt296381 Words   |  1186 Pages(alk. paper) ISBN-10: 0-07-340334-2 (alk. paper) 1. Project management. 2. Time management. 3. Risk management. I. Gray, Clifford F. II. Gray, Clifford F. Project management. III. Title. HD69.P75G72 2011 658.4904—dc22 2009054318 www.mhhe.com About the Authors Erik W. Larson ERIK W. LARSON is professor of project management at the College of Business, Oregon State University. He teaches executive, graduate, and undergraduate courses on project management, organizational behavior, and leadership

Monday, May 11, 2020

The Problem Of Human Trafficking - 1080 Words

The Source Awakens When I found out about my first essay, I was not ready to begin my research. I honestly did not want to think about it but the due date was inevitable. The thought of writing my essay was frightening enough but deciding on a topic and searching for sources was a completely different story. After a few sleepless nights, I finally decided on my topic, human trafficking. I chose this topic because I believe human trafficking is a problem not only in America but worldwide and needs to be taken seriously. My strong dislike for research papers is not something to hide but I am hoping for the best for this essay and the class. As I began researching my topic, my knowledge of the topic was slim, other then what I have viewed on†¦show more content†¦I discovered this information from the eBook collection (EBSCOhost) database on February 12, 2016 at 5pm. Louise Shelley wrote a print source called â€Å"Human Trafficking: A Global Perspective†, and it was published by Cambridge University Press in New York in 2010, page 1+. To find my second source, I had to really think about what human trafficking meant. I went to the articles and database tab and looked at some the many databases listed. I came across the Business Source Complete database and typed in human trafficking. I chose this specific database because it seemed like a legitimate search engine and would contain the solid facts that I needed. This database provided over 2000 results and as I began skimming through the articles, I came across a PDF full-text article called â€Å"Victim Intervention Marketing: An Application of Social Activist Marketing in Opposition to Human Trafficking.† This article seemed interesting because of one section, â€Å"Problems with Extant Definitions of Human Trafficking†. This made my wheels begin to spin and I took notice to the definition provided by the U.S. Department of State on human trafficking. Society and our government needs to expand on this so called definition to help broaden the spectru m of victims. This will help incarcerate more human traffickers which will begin to slow down these awful situations. I accessed the library database Business Source Complete on February 12, 20016 at 5:25 pm were I

Wednesday, May 6, 2020

The USPS Problem Free Essays

It has come as no surprise that the United States Postal Service lost money in the first two quarters of 2010. $8. 5 billion to be exact. We will write a custom essay sample on The USPS Problem or any similar topic only for you Order Now Next year they, plan to lose even more. Somewhere in between $9 billion to $10 billion dollars. The problem will not be as simple to fix, but it is a problem that can be resolved with a few simple implementations and cost cutting options. Overspending and undercharging has led to needing to cut cost and raise prices. The USPS is trying to do both, but it requires Congressional approval and some simple economics. Here is what should be done in solving this problem. 1. Raise prices.  Allow modest price changes without Congressional approval. If the prices change within the cost of living change or close the USPS should be able to implement them without wasting time and taxpayer money on a Congressional approval. The United States Postal Service does not charge enough for the service they provide. It does not cost 44 cents to move a letter from San Antonio, Texas to Hawaii, Alaska, or Puerto Rico. It does not cost 44 cents to move a letter to the next town let alone cross country with today’s raising fuel cost. Even with today’s new Postal pick up service the cost of fuel outweighs the cost of flat rate packaging. 2.  Service. Service is part of the United States Postal Service name. End the Casual implantation of temporary workers. To many times customers complain to me that they saw a worker delivering mail without a uniform, and do not trust them in picking up the mail or package. Mail carriers should promote the business and make every interaction with its customers a positive one. I do many routes at my station and time and time again customers complain of the grumpy old letter carrier acting rude when approached, this has to come to a halt and management should be more involved in implementing ways to improve customer interaction and promote it. If a station manager gets complaints on a mail carrier, the station manager should make a note of it and speak to the mail carrier at the end of day or first thing in the morning. Allow private business to run kiosk machines. Co-location works, and it is what the customers want, pay flat rate prices and do so fast and quickly, not waiting 20 to 30 minutes in line at the local Post Office. 3. Either end the retirement and health care pre-funding or make all government agencies abide by the same rule the United States Postal Service does. Although this has little impact on mail delivery, it has a huge impact on postal profitability. The United States Postal Service officials think if given the same approach as other government agencies, they would save $5. 6 billion a year in revenue. If it weren’t for the cost of pre-funding future retiree’s health care benefits the service would have seen a profit of more than a quarter billion dollars. In other words, from an operational standpoint, the United States Postal Service made money. Understanding that the United States Postal Service is to break even, and any profits gain are to be made into the retirement and health care fund. Pre-funding is a Congressional candy jar anyway. 4. Cut money wasting ideas. Management time and time again has cost the United States Postal Service revenue. Looking at some ideas management came just make no sense, like the idea to emplace a GPS system in every United States Postal Service vehicle. This idea was implemented to track and follow where the letter carrier goes during his delivery route. Along with that comes the idea to emplace 12 barcode scan points along the delivery route which the carrier must scan in increments of 45 minutes. Rather than spend that kind of money and ways to spy on the letter carrier, someone in upper management should have suggested the idea that most of the United States Postal Service competitors have, which is continuous visibility of parcels. A idea that can make the United States Postal Service prove to their customers and competitors, that the United States Postal Service can provide the same service if not better than the other agencies. Currently the United States Postal Service cannot show the time of delivery of any package until the letter carrier returns to the office and downloads the information into the system. Also batteries on the scanners fail and data is lost as well as the cost of a scanner brought to the letter carrier to be replaced. Instead of a GPS in every truck it would wise to spend revenue on something the United States Postal Service can improve its operational needs and improve visibility for every parcel scanned. After all it is what the business side of customers wants to see. The United States Postal Service is established so that every citizen could have an affordable means to move packages, and letters and to ensure timely delivery of mail to each home is delivered. The Postal Service has tremendous business potential in the future, but Congress has to allow the United States Postal Service to use its own money in a businesslike fashion to get over the short term challenges,† NALC President Fredric Rolando said. With the ever-changing market the United States Postal Service must focus on the parcel side of business mailing, and ensure every interaction with its customers is a positive one. After all it is the United States Postal Service customers that can fix the revenue problem the service is having. How to cite The USPS Problem, Essay examples

Thursday, April 30, 2020

Women In Math Essay Thesis Example For Students

Women In Math Essay Thesis Over the past 20 years the number of women in the fields of math, science and engineering have grown at astronomical rate. The number of women which hold positions in these fields has more than doubled. In post secondary education women are filling up the lecture halls and labs where in the past where it was rare to see a woman at all. If a woman was able withstand the pressure that was put on her it was more than likely that she wouldnt even be hired. Many organizations have been established to help young women to prosue carriers in either math, science and engineering. A few examples of these organizations re, AWM (Association for Women in Mathematics), WISE (Women In Sience and Engineering), ASEM (Advocates for Women in Science, Engineering and Mathematics) and many others. Many young women do not prosue carriers in math for one or more key reasons. One is that they have no female role models to look up to or any famous females in that field to inspire them. We will write a custom essay on Women In Math Thesis specifically for you for only $16.38 $13.9/page Order now Another is that they are often disgouraged by others, usually family members, Why dont you be like your mother and stay home and raise the children. is a common line used. This is most likely because the parents dont want to see their daughter go out and fall flat on her ace when she doesnt make it. There is little support from others if a woman wants to go into these fields. Equal opportunities is also a large factor in this, either as a decision maker wether to go into the field or not or cold hard facts. Facts like 90 percent of engineering, math and science position are held by men, this means that they dont hire very many women. Another reason is that the maybe lacking the self-esteem within their self. This could be because of the scary numbers that are related to women and math, science and engineering positions. Or that they could be struggling in that rea. Another factor could be that they fear that hiring opportunities are very sexist and male shovenistic. Measures have been taken to help ensure that women have a equal if not better chance to prosue a career in math, science or engineering. Special funds, programs and organizations have been setup to ecourage and assists women to go after the field they wish to work in. With these steps taken it helps to get the ball rolling so that women can be pioneers and break into the math, science and engineering fields and hopefully become role models or heros for future generations.

Saturday, March 21, 2020

Free Essays on High Tech Forensics

High- Tech Forensics High-Tech Forensics is a really big issue of today’s society. Looking to solve crimes, or at least find information using high-tech forensic work has bloomed over a vast period of time. Nearly every litigation matter now requires attorneys to conduct electronic discovery. This gives clients a unique advantage inside and outside the courtroom. Being that high-tech forensics is a combination of both forensic science and computer science, the forensic examiner is in many cases very important. The potential growth for computer forensics work has inspired many people and is very essential for businesses. Big corporations and law enforcement agencies such as FBI and big city police departments have computer forensics experts on staff. Along with the advantages of high-tech forensics comes it disadvantages. The introduction of the computer in 1981 and the resulting popularity came with a mixed blessing. Society in general benefited but at the same time so did criminals who used pers onal computers to commit crimes. Today personal computers are used in every face of society as in to send and receive messages, compute financial results, transfer funds, purchase stocks, make airline reservations, access bank accounts, and to lookup any source of worldwide information on essentially any topic, which as time has pasted have resulted in fraud and identity theft.... Free Essays on High Tech Forensics Free Essays on High Tech Forensics High- Tech Forensics High-Tech Forensics is a really big issue of today’s society. Looking to solve crimes, or at least find information using high-tech forensic work has bloomed over a vast period of time. Nearly every litigation matter now requires attorneys to conduct electronic discovery. This gives clients a unique advantage inside and outside the courtroom. Being that high-tech forensics is a combination of both forensic science and computer science, the forensic examiner is in many cases very important. The potential growth for computer forensics work has inspired many people and is very essential for businesses. Big corporations and law enforcement agencies such as FBI and big city police departments have computer forensics experts on staff. Along with the advantages of high-tech forensics comes it disadvantages. The introduction of the computer in 1981 and the resulting popularity came with a mixed blessing. Society in general benefited but at the same time so did criminals who used pers onal computers to commit crimes. Today personal computers are used in every face of society as in to send and receive messages, compute financial results, transfer funds, purchase stocks, make airline reservations, access bank accounts, and to lookup any source of worldwide information on essentially any topic, which as time has pasted have resulted in fraud and identity theft....

Wednesday, March 4, 2020

3 jobs you can get with a cosmetology license -TheJobNetwork

3 jobs you can get with a cosmetology license -TheJobNetwork If you’ve recently earned your cosmetology license then congratulations are in order- you’ve worked hard to learn the trade and build the skills necessary to be successful in this fast-growing field. Now, there’s one more step for you to take, and that’s to find a job. If you’re new to the field of cosmetology, you have a reason to be optimistic as you embark upon your career journey- according to the U.S. Department of Labor, employment opportunities for cosmetologists is expected to grow approximately 13 percent over the next decade, faster than the average for all careers. Simply put, as the population grows across most demographic sectors, the demand for the range of services that cosmetologists provide should grow as well, along with the need for talented and credentialed professionals.That’s great news! Now, all you need to do is weigh your options and focus on the type of job you’d like to pursue. Ultimately, your choice of care er path should match your interests, goals, and skill set, but if you’re looking for some ideas, consider the following 3 jobs that you can pursue with your cosmetology license.HairstylistDo you have a knack for styling and making the most out of people’s hair? If so, then consider a career as a hairstylist. Hairstylists are typically motivated self-starters who like working directly with people and genuinely enjoy making others happy with their hair creations and consulting. Although requirements for becoming a licensed hairstylist may vary by state, you can typically get started with a high school diploma or equivalent and licensure.Work opportunities are typically plentiful, and you have the option of working for a salon, renting a chair in a salon, or being your own boss- which means that you can be selective with the type of clientele you’d like to specialize in working with. If this sort of professional opportunity and freedom sounds good to you, and youâ €™ve got the desire and skills, then this may be a smart career move for you.Beauty blogger/vloggerAre you a whiz with words or charismatic in front of the camera, and love nothing more than talking about the world of beauty? If this sounds like you, then consider getting started as a blogger or vlogger. This fast-growing industry has a potential audience of millions of interested individuals who follow what industry leaders, influencers, and tastemakers say about the latest and greatest in makeup, grooming, fashion, and beauty products. The venues available for getting your content to the public are wide, with everything from YouTube or Instagram Stories for video to WordPress for writing and Instagram for photo sharing- it all depends on the sort of content you’d like to make your focus.If you build a large enough following, you can see incredible profits from advertising and sponsorships (not to mention free products from companies who want you to speak about their new offerings). If this sounds like the perfect opportunity for you, then choose a platform, polish your message, and start creating content.EstheticianIf your beauty and grooming interests lie more towards skincare and spa treatments, then consider pursuing a career as an esthetician. These beauty and grooming professionals focus primarily on addressing hair and skincare issues and consulting with individuals on a wide range of issues, from laser hair removal to acne treatment, exfoliation, and personal body care.After completing a state-approved program and passing the required licensing exam, estheticians typically work in health, wellness, beauty, and spa settings, and opportunities exist within existing, established business- or you can start your own business and be the boss. According to the U.S. Department of Labor, â€Å"Employment of skincare specialists is projected to grow 14 percent from 2016 to 2026, faster than the average for all occupations. The desire among many wome n and a growing number of men to reduce the effects of aging will result in employment growth. Good job opportunities are expected.†If you’ve recently earned your cosmetology license and are looking to move forward in your career journey, consider one of these excellent options to make the most of your skills and achieve professional satisfaction and success. Good luck!