Monthly Archives: January 2019

Melrose, NY funeral home

How to Plan a Funeral or Cremation on a Budget

Have you lost a loved one recently? It can be hard dealing with the loss of someone you had been close to in this life, but death is one of those things that everyone must deal with at some point. What can make this more difficult, however, is if the deceased did not prepay for the final disposition at a Melrose, NY funeral home before breathing their last breath.  

In such circumstances, the rest of the family may have to pool their resources together in order to afford the funeral or cremation service. Whether the death came out of the blue or came after a long illness, it can be difficult to shoulder the financial cost. Here are some recommendations to keep costs down without cheapening the experience for the deceased, you, and your family.  

Be Upfront About Your Budget 

When you go to the funeral home to plan the final disposition for your deceased relative, the first thing you’ll want to do is to let them know if you have a specific budget number in mind. A service provider will work with you to plan the funeral or cremation you want at a price point that fits within your desired budget. You can simply make things easier for yourself if you’re upfront about what you want and about how much you’re willing to pay. A funeral home will work with you to accomplish your objectives at a price you can live with.  

Be Selective About Services 

While a cremation tends to be cheaper than a funeral, the amount and types of services you get for either of these two final disposition options will greatly impact the final cost. When you sit down with the funeral director, you’ll be provided with a price list that you can comb over to see what services cost. If you choose services wisely, you’ll be able to plan a great final disposition option that allows you to celebrate your relative in a cost-effective way.  

Be Sure to Consider Cremation 

You’ll almost certainly pay less for cremation than you will for a traditional funeral service. The great thing is that cremation won’t cheapen the experience. In fact, many families hold a memorial service, otherwise known as a celebration of life service, for their deceased loved one in the days, weeks, or even months after a cremation.   

Be Sure to Share the Responsibility 

Paying for a funeral or cremation will obviously be cheaper if multiple family members combine to shoulder the financial responsibility. It will make the financial burden a lot lighter, which will reduce the stress of having to pay for a funeral or cremation at a time when you are all grieving.  

When the time comes to pay for a visit to a funeral home in Melrose, NY, your best bet is McLoughlin & Mason Funeral Home at 8 109th St Troy, NY 12182. We specialize in helping grieving families to take care of the final disposition of their deceased relatives. We have a combined 150 years of funeral service expertise in the community, so don’t hesitate to call us at (518) 235-1722 when there’s a death in your family. We’re here to help. 

Watervliet, NY cremation

Do You Have a Digital Legacy Plan in Place?

Chances are you have at least one email account and use at least one social media platform. But have you stopped to consider what will happen to your online presence — your digital legacy — after you die? It’s one of those areas that tends to get overlooked, even by people who otherwise might be proactive in preplanning their Watervliet, NY cremation or funeral service.   

Here’s what you need to keep in mind to ensure that your digital legacy is dealt with properly after your passing.  

Get Organized 

Your first order of business is to write down and store — in a safe place, of course — all of the passwords for your email, social media, and other online accounts. If you’re like many people, you probably have accounts and passwords saved in a password-protected app on your smartphone or tablet. In such cases, it won’t be all too difficult to remember all your accounts.  

Familiarize Yourself with the Processes 

Your next order of business is to familiarize yourself with how various email, social media, and other online accounts handle the closing of accounts for the deceased. While Facebook has been under fire lately for quite some time over privacy issues, it does have a couple of options that can be used to deal with your account after you pass away. Firstly, your profile can be put in memorialization mode so that your loved ones can post stuff about you after your death. Secondly, your profile can be permanently deleted.   

You’ll need to select a legacy contact person who will have access to your account at the appointed time. The person you select must be a Facebook friend at the time of your passing. While they’ll have some access to your account, however, they won’t be able to read any private messages on your page or access your complete profile. There are other particulars to be mindful of so check up on them in advance.  

Let Your Legacy Contact Know 

The worst thing you could do is to choose someone to close your online accounts and then fail to let them know. Such a responsibility will take them by surprise, and they may initially feel overwhelmed. What you want to do is inform them and then ensure that they are provided with information on your online presence at the right time so that they can close accounts as needed.  

It is possible to manage your digital legacy, and doing so is vitally important. While you’re thinking about such matters, don’t forget to preplan for your eventual funeral or cremation in Watervliet, NY. At McLoughlin & Mason Funeral Home, we happen to be the oldest family-owned funeral home in Troy with a combined 150 years of funeral service to the community. Allow us to help you plan the perfect final disposition so that your family won’t have to do it for you after you’ve passed away. You can visit us at 8 109th St Troy, NY 12182 or call us at (518) 235-1722 for a free consultation. 

cremation in Troy, NY

3 Reasons Why You Need to Prepare a Will

If you ‘re an adult in America and don’t yet have a will in place, you’re certainly not alone. But that doesn’t mean that you’re necessarily in good company since it’s important to know your affairs are in order ahead of your eventual funeral or cremation in Troy, NY.  

According to the AARP, an organization that focuses on the needs of American adults who are 50+, only six in 10 U.S. adults — or 60% — haven’t gotten around to preparing a will yet. That means, of course, that only four out of every 10 U.S. adults – or 40% — have a will.   

If you haven’t yet prepared a will, here are some key reasons why a will is important – and why you should get one drawn up as soon as possible.  

  1. Allocate Your Estate

When you have a legally enforceable will — something you can get with a lawyer’s help — you will be able to allocate your estate to whomever you please. The worst thing you could do is to pass away without having prepared a will. In such a case, there’s a good chance that your estate will be divvied up in a way that you would not approve. Most people don’t want to work for decades, accumulate assets, and then exercise no control over whom will inherit their possessions. But that’s what you’ll risk doing if you die without having prepared a will.  

  1. Appoint Guardians for Your Children

Do you have offspring who are not old enough to be considered adults? In this case, you absolutely should have a will, especially if you don’t have a spouse who has legal rights to taking care of the children. With a will, you’ll be able to appoint guardians to raise your children if you pass away before they reach adulthood. Failing to make such plans will mean that the courts may have to get involved, and this could get messy if multiple parties seek to have legal guardianship over your children. It’s best to appoint a guardian who you believe will be the best option if you pass away and can no longer fulfill your parental duties.  

  1. You Can Rest Easily

You won’t hasten the day of your death by one second by putting together your will — but you just might sleep better knowing that your affairs are in order. When you think about the uncertainty, frustration, and turmoil that might result if you die without a will in place, you’ll want to get one written up before it’s too late. You’ll then be able to rest at night knowing that the people you love and care about will be taken care of after you pass away.  

As you can see, there are some real benefits to getting a will drawn up. Consult a lawyer specializing in wills and estates for professional advice and assistance in this matter. After your Troy, NY cremation, it will be too late for you to prepare a will. So it’s best to get one done straight away if you haven’t already done so. For advice on preparing a will, get in touch with us at McLoughlin & Mason Funeral Home. We’ll lead you in the right direction. Located at 8 109th St Troy, NY 12182, we’re the oldest family-owned funeral home in Troy with a combined 150 years of funeral service to the community. Call us at (518) 235-1722 for a free consultation with one of our staff members.