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In Praise of Moms

Legacy Matters and Mother's DayThis is the week to praise Moms.  After all, where would we be without our mother’s?  Quite literally, not here at all!

With Mother’s Day on the horizon many of us have the opportunity to share time with our mom’s to express our appreciation of their unconditional love and how their influence has shaped our lives.

For some this is a sad day as your mom may no longer be physically with you. This can be especially painful if this is the first Mother’s Day without your mom.  I think the spirit is still around and appreciates the love and gratitude sent her way.  Reflecting on happier times may also help to ease the loss in your heart.

For others sadly mother’s day may not be a happy occasion as the sense of mother may not bring to mind loving memories.  Perhaps, the notion of forgiveness and the knowledge that they did the best job they were able to do, may bring some peace of mind to you.  Maybe this year is the year you can mend fences, and take care of the:  should haves, would haves, or could haves, or perhaps there are lessons to learn that have influenced how you are a positive mother to your children.

Mothers are the glue to holding the family together and strengthening the love, logistics, and the legacy of our heritage.

Thank you Mom and I will work on your to do list on Sunday.  Hopefully I will be able to get it all completed.

P.S.  I will bring lunch

How about you? How are you spending this Sunday honouring your mother? I would love your feedback and don’t forget to leave a link back to your own blog if you have one via the commentluv feature here on the site.

Until next time,

Kat

 

 

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saying goodbye to loved onesThere is an art to saying goodbye to someone you love dearly and until last week I had never had to use it.  Fortunately I had the opportunity to do this in person.

My Aunt had a knee replacement and was on the road to recovery with Occupational and Physical therapy underway for 2 weeks following the surgery.  Then about 9 days ago she mentioned to my Uncle that she didn’t feel well.  He took her to the hospital and they admitted her immediately.  The issue was pneumonia and fluid on her lungs.  They started an antibiotic regime.   After 8 days of intravenous therapy the pneumonia was not subsiding.  The following day the Doctor was in to see my Aunt and Uncle saying that if the medication did not kick in soon, or Mother Nature took over, there was not much more they could do, and she had 1 – 2 days to live.

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prepay funeralDo you wish you had more contribution room in your TFSA? Consider this.  If you made TFSA contributions since 2009 then you may have contributed the maximum of 5,000.00 per year, totaling approximately $20,000.00.

If you were to prearrange and prepay your eventual funeral arrangements you would be moving your money from a tax sheltered TFSA into a stable, guaranteed and tax-saving EFA – eligible funeral arrangement.

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Travel insuranceIn our increasingly mobile society, we are traveling for work, pleasure, education, medical treatment, or to visit family.  Perhaps you have heard of a tragic tale of a loved one or acquaintance dying away from home. What would you do?

Amid the emotional whirlwind, there are the vigorous legalities involved in repatriating the body.  When a person dies away from home, the international consulate is involved along with the Canadian consulate.  Additionally there are Public Health requirements and specific embalming and merchandise requirements to bring the body across an international border.  There will also be fees for the way bill to bring the deceased home.  These costs can range from $4,000.00 to more than $12,000.00, depending on the country in which the death occurred.

Fortunately there is a solution.  The Travel Assurance Plan is excellent coverage for all costs, if a loved one died 60 miles or 100 kilometers or more from their legal residence.  Currently, this coverage is a one-time enrollment fee of $495.00 payable by cheque, MasterCard, or Visa.  Other exceptional advantages include:

  • No age limit to enroll
  • No medical examination is required
  • No limit to the costs incurred
  • All claims are handled immediately on a families’ behalf
  • Coverage is with the participant 24 hours a day 7 days a week
  • Technical communication services and translation services
  • Bereavement support for the family
  • Return of travel companion
  • Return of family pet
  • Legal referrals if required

When people have this kind of coverage there is total peace of mind for their life time of travel. If you would like additional information on how this benefit can be provided to you, please feel free to contact me.

Please feel free to send me your feedback. And don’t forget to leave a link back to your own blog too if you have one, via the commentluv feature here on the site.

Until next time,

Kat

 

 

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cremation_memorialsMany people think that deciding that they want to be cremated is the only decision they need to make.  Well that is likely the first decision. Cremation is a choice of disposition of the body just like earth burial or entombment in a crypt.  But, there are many other decisions that go with deciding this type of disposition.  Would you prefer donations in lieu of flowers and to what charity would you prefer money be sent?  Do you want a newspaper notice, with or without a photo?  What you would like your family to do with the cremated remains?

Perhaps you would prefer a Memorial Service or a Celebration of your Life.  In this scenario, the events of a Direct Disposition take place and then a few days later the family holds a service to celebrate your life at a venue of their choice.  Will there be a eulogy? If so who will do this?  Will there be visiting and a serve before or after cremation? This could be at the funeral home, a place of worship, or a place of significance to your during your lifetime such as the Golf and Country Club.

Or will it be Direct Cremation?  This means that the minimum requirements of the Province are met.  In Ontario, the deceased is transferred to a licensed Funeral Home and the Coroner signs a Cremation Application.  The body is then put into a cremation container and driven to the crematorium.  After cremation takes place the funeral home returns to the crematorium to pick up the cremated remains and return them to the family.

Following the lines of a more traditional service perhaps your choice is to have visiting and then a funeral prior to cremation taking place.  In this scenario often a ceremonial casket is selected rather than a purchased casket.  Many people I worked with do not see the value in purchasing a solid or veneer wood casket to have the entire casket cremated.  Rather people see the value in a rental or ceremonial casket.   An outer casket of solid or veneer wood looks the same as a purchased casket.  The difference is that inside the outer shell is a removable cremation container.  When the visiting and service is complete the Funeral Director will remove the inner cremation container holding the body, a lid will be secured and then the container is taken to the crematorium and cremation takes place.

Often if people have decided they prefer to be cremated what to do with the cremated remains is usually something they have not thought through.

When I ask people what they would like done with the cremated remains – there is often a blank look on their face.

There are 4 options:

  1. The cremated remains may be kept at your own home
  2. The cremated remains may be buried or scattered on personal property
  3. The cremated remains may be buried or scattered on Crown Land
  4. The cremated remains may be buried, scattered, or in a niche on cemetery property.

Deciding you would like to be cremated is a great first step.  But as you can see, there are other things to consider. It is important to take the time to think this through and discuss this with your family and get help from someone in the funeral pre-planning business.

If you have questions about the choice of cremation, please do not hesitate to contact me. And feel free to send me your feedback. Don’t forget to leave a link back to your own blog too via the commentluv feature here on the site.

Until next time,

Kat

 

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parenting our parentLLife is a circle; there is an alpha and an omega, a beginning and an end for all of us.  Throughout our lifetime our parents have guided and directed us to the best of their abilities.  As our parents move through their life circle, many of us find we are now parenting our parents. The challenge is to do so while continuing to respect their dignity, capacity, and control.

This fragile balance can shift suddenly with a change in health, mobility, or capacity. Are you prepared?

My Dad does the driving for errands and appointments.  Recently he had a hip replacement so no more driving!  Mom is comfortable driving short distances but not outings for a myriad of doctors’ appointments or errands further away from home.  This is a game changer for the family and caused one of those ‘family discussions’.

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Kat Downey - Executor Companion Kit

Getting more organized in the New Year is a common goal. I noticed that many stores are promoting storage bins to help people tame the clutter in their homes.   Getting more organized and regaining control of important papers can also provide a refreshing sense of control, accomplishment and peace of mind. Below are 7 tips to getting those important papers organized.

The important element is to start!

I find that I can spend more time procrastinating and creating diversions that take more time, than if I actually delved in and started!  And, yes there is a sense of peace of mind and accomplishment when you know where things are and can put your hand on your important papers quickly.

Here are 7 tips that I find helpful:

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family and holidaysAs 2012 winds down, it is a time to reflect on what we have accomplished this year and the items still left to complete.  During the Christmas season, the list can be especially lengthy. There are gifts to purchase for family and friends, decorations to put up, cards to send, groceries to purchase and special meals to plan and prepare. How fortunate many of us are able to do these things. Do you feel grateful?

Recently I watched a woman struggled to get out of the car at the store.  I realized how much I take for granted; the ability to get in and out of my car easily, drive to the stores I wish to go to and be able to find and purchase the items I want. For many people these seemingly simple tasks are monumental.  For me it was a reminder to be thankful and grateful that I am able to complete these tasks.

Christmas time can also be very lonely for many people.  They may be estranged from their families and loved ones.  Or these people may live at a great distance and be unable to visit over the holidays.  Sadly, their loved ones may have died and this is the first holiday season that they do not physically have their loved ones with them.

The year of firsts – first birthday, mother or father’s day, anniversary, Christmas without that loved one can be overwhelmingly painful for many people. Many people have shared with me that they wish their families would call or visit more often, especially their grandchildren.  They lament that it would make their day so much happier if they had a short call or an email.  It only takes a moment to make someone’s day.  Perhaps today is the day you can reach out and connect with someone who has been on your mind.  If you take that bit of time it will be well received.  I think for younger people in particular, they tend to forget that most days are very long for their parents or grandparents. A simple call, even if you leave a message, will be cherished.

During this season of gratitude we can also reflect on our wonderful Canadian society.  We are able to enjoy freedoms, security and supplies that we tend to take for granted.  Pause for a moment and think how Christmas season would look if you lived in other parts of the world.  We have much to be grateful for living in Canada.  But there are families living in Canada who struggle as well.  Look for ways to contribute – food banks, Salvation Army, churches, etc. You will be so appreciated.

I truly hope that during this holiday season a sense of gratitude will warm your heart and that you are able to reach out and share wonderful times with your loved ones.

Share your thoughts with me. I love getting feedback. And don’t forget to leave a link back to your own blog if you have one via the commentluv feature here on the site.

Happy Holidays,

Kat

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Garden of Remembrance

As we near Remembrance Day many of us will wear a poppy as a sign of respect and gratitude for those who served in uniform to protect and ensure the freedom of Canada.

In Flanders Fields the poppies blow…  In the spring of 1915 when Lieutenant-Colonel John McCrae wrote this poem at the second Battle of Ypres he likely never imagined how the poppy would come to represent gratitude and hope for Veterans and survivors of WW I.

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I really want to preplan my funeral arrangements but my Husband/Wife won’t talk about it. Are you someone who has a spouse who won’t discuss death? I have heard this many times, and it is frustrating for the partner that would like to organize things ahead of time, not to be able to take advantage of the opportunity.

It is frustrating when one partner has the veto power and the other partner has to follow along and keep the peace in the relationship. Often the partner that wants to organize things ahead of time, can see the emotional and financial advantages of doing this.  Yet they must bite their tongue and go along with the usually uninformed decision of their partner.

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