Blue Mountains Life – August-September 2019

emorialCeremoniesarea topic

mostpeopletendtoavoid,

andplanningforonecanseem

downrightuncomfortable.It might

e aredwellingonthenegative.But

anbea veryconsideratechoice.

YourtakingcareofMemorialCeremony

arrangementsandexpensesaheadoftimecan

bea realgifttothosewhowillbegrievingwhen

youpassaway.Andit couldsaveyourfamilya

substantialsumofmoneyalongtheway.

Asanadult,it hasalwaysbeenprudentto

setasidemoneytotakecareofanylarge

unexpectedexpensesorillnesses.A Memorial

Ceremonyis nodifferent.Thekeyis to

understandhowa pre-paidplanfora Memorial

Ceremonyworks.

WHATISA PRE-PAID

MEMORIALCEREMONY?

It is justwhatit soundslike– a setof

arrangements,asdetailedasyoudesire,that

havebeenpaidforaheadoftime(meaning

eitherthemoneyhasalreadybeenpaidorhas

beensetasideforthispurpose).Thereare

differentwaystodothis,dependingonyour

preferencesandfinancialconcerns.Webelieve

thatthebestwayis througha “trustaccount”

througha MemorialHome.

WHATISA “TRUSTACCOUNT”

THROUGHA MEMORIALHOME?

Whena personpassesaway,hisorherassets

canbetemporarilyunavailable– eventoa

familymember– untiltheestateis settled.

Therefore,moreandmorepeoplearebuyinga

“pre-paidMemorialCeremonyPlan”througha

specificMemorialHome,purchasingit either

witha lumpsumorpaymentsover 24 months.

Inmanyways,thisstreamlinesandsimplifiesthe

wholeprocess.Further,thefundsareputintoa

trustaccountwhichis controlledbythestate

ofNewSouthWalesandinvestedina capital

program.Thefundsare100%secure.

However,beforedoingso,therearealways

questionsthecarefulconsumerneedstoask,

suchas:

YOUR ONE-

STOP SOLUTION

TO ELIMINATE

BILLS AND LEAVE

ONLY BRILLIANT

MEMORIES OF

RSELF FOR

R LOVED ONES...

• Arethepaymentsthemselvesreasonable?


• Howlongdoesthepolicytaketopayoff?


• Whathappensif thepersonpassesaway
  beforethepolicyhasbeenpaidoff?


• Whathappensif theMemorialHomeshould
  closeorchangeownership?


• WhataretheconsumerprotectionsinNew
  SouthWales?


• Whatexactlydoesthemoneyyoupaycover?


• Whathappensif youmoveaway?


• Whathappensif costsrisebeforeyoupass
  away?


• Whathappenstotheinterestthat’searnedon
  thepaymentsyoumake?


• Canyoucancelthecontractandhaveyour
  moneyrefundedif youchangeyourmind?
  TRBrownjohnMemorialHomecananswer
  allyourquestionsandconcernsandhelpyou
  tomakedecisionsina relaxedandintelligent
  manner.

BUTABOVEALL,FAMILY

COMMUNICATIONISCRITICAL

A personmayplanandpre-payforhisorher

ownMemorialCeremony,butfailtoinform

familymembers.Sometimesthedetailsarein

theperson’swill,butthewillis oftennotread

untilaftertheMemorialCeremony.Similarly,

a personmightkeepthecontractina safety

depositbox,butgrievingfamilymembersmay

notgothroughthatboxrightaway.

Inanyevent,despiteyourattempttohelpyour

lovedonesgothrougha toughtime,theywill

bemakingarrangementsandpayingforthem

withoutknowledgeofyourplanning.Regardless

ofhowyouchoosetopre-payfora Memorial

Ceremony,besureyourfamilymembersknow

whatarrangementshavebeenmadeandhave

copiesofimportantpapers.

Onceyouhaveretired,paidoffthemortgage,

andthechildrenhavelefthome,whatyouneed

is a waytopayforanyexpensesyouleave

behindwhenyoupass.Withnowaytopayfor

theexpensesofa MemorialCeremony,families

oftenexperiencea financialburdenduringa

timeofintensegrief.

Manyofushaveexperiencedthedeathofa

lovedoneandrememberhowstressfulit was

tojuggleourgrief,theMemorialCeremony

planning,andthefinancialobligations.The

thoughtofourspouseorchildrengoingthrough

thesameexperienceis unbearable.

Whatcanwedotoprotectourfamiliesfrom

thisfinancialburden?Howcanwemakesure

theyaren’tleftwitha financialburdenwhenwe

pass?

Thefirststepinpurchasinga pre-paid

MemorialCeremonywouldbetosetupan

appointmentwiththepre-eminentMemorial

HomeintheBlueMountains,TheTR

BrownjohnMemorialHomewhichhasthree

officestoserveyou. AsThomasBrownjohn

says,....It’stimewehada talk.Heis there24/7

at(02) 4782 2613.

ELIMINATING the Stress

Blue Mountainslife 89